WillisBack/dataset-financial-user-claim huggingface dataset:
Was denied credit and the denial letter stated that LexisNexis reported a judgment. I requested my consumer file on XX/XX/XXXX. I received that entire file dated XX/XX/XXXX and found several errors. Incorrect spellings ( unknown ) of my name, incorrect ( unknown ) addresses, and two judgments one of which had one of the incorrect spelled names ( unknown ). I contacted LexisNexis via phone call on XX/XX/XXXX. I went through my file page by page line by line disputing incorrect information and was assured that it would be correct and that I would receive an updated report within 30 days. I received my Results of Investigation file on XX/XX/XXXX and realized that nothing was removed. I call and spoke with another rep ( a guy ) this time and went through my file again line by line, page by page and asked him how was this judgment verified. he insisted that it was Public Records and that was how they verified it via that database. I told him that I had spoken with the courts and the clerk could not find any judgments for me after I had given her my drivers license number, my social security number, and my full name. He informed me that he would open a Reinvestigation and forward it to the ESCALATION Department. On XX/XX/XXXX I received a third copy of my file and again nothing was deleted or verified. I then sent a certified letter asking for verification method, the names and phone numbers of people they may have contacted to verify and listed every error in detail with the page number in which they could be found. Again, I asked that this incorrect unverified information be removed. I received a response dated XX/XX/XXXX that said everything was verified and that I should contact the courts and have them update their system. I called the Justice of Peace XXXX XXXX - XXXX Court and spoke with XXXX ( XXXX ) and was told again that there was no way to verify the judgments that LexisNexis is reporting because those files were in " storage '' and that some one would have to physically go retrieve them and that the judge is the only person that could do it because these are personal confidential files. I called LexisNexis again on XX/XX/XXXX and spoke with XXXX and asked how was this verified and she told me the same thing about it coming from Public Records but when I ask what Public Record if the court that they say has the judgment is telling me that they do n't have verification to provide me how is it that LexisNexis is getting verification? She told me that she would open ANOTHER Reinvestigation and forward it again to the ESCALATION department. I sent another certified letter on XX/XX/XXXX asking for written proof of verification and for the unverified information and incorrect names and addresses to be removed. I have denial letters for Insurance Coverage from XXXX and denial letters for car loans with reasons being adverse information provided by LexisNexis.
Employee Name : XXXX XXXX Recipients : XXXX XXXX ( self ) Recipients Bank : XXXX XXXX XXXX XXXX Confirmation Code XXXX Date Deposited XXXX/XXXX/2016 The questions is there any mistake in my personal details as why this deposit has been refunded back to my XXXX by CITI Bank. 

The XXXX other transaction I made on the same day went through. as of this moment I have n't heard nor received any return from the XXXX transaction I made Which is the recipients XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX as well. 


Please kindly enlighten me of the real status of this transaction. 

Respectfully Your ' XXXX
I applied to get approved for my first mortgage, and the loan officer told me about a single collection account on my credit. Because my median score was a XXXX, not XXXX, I wo n't receive the a great rate. This collection was a complete surprise to me. I never check my credit because I heard it hurts your score. I just assumed that since I pay all my bills on time and do n't keep excessive amounts on any credit cards, there would be no problems. <P/>The collection is from the company XXXX XXXX. They put it on my credit in XX/XX/XXXX in the initial amount of {$420.00}. It supposedly originates from XXXX XXXX XXXX, an apartment complex in which I once lived, due to cleaning expenses. <P/>I remember this charge. When moving to a new apartment in early XX/XX/XXXX, the new apartment complex ( XXXX XXXX ) noticed this on my background check. They required me to pay it before approving my new lease. I thought {$400.00} for cleaning was absurd, but I went to the old apartment and paid it along with my final payment. <P/>I assumed it was water under the bridge until a few weeks ago. Last week, I contacted XXXX XXXX XXXX, and they could find no record that I owed them any outstanding balance. I spoke to XXXX, the office manager, who was helpful. I then contacted XXXX XXXX, and they could n't find any documentation to support the claim. Yet, they just pressured me to pay it and refused to remove it from my credit even if I did. I 've now started disputing it with all 3 major credit bureaus. However, none seemed too enthusiastic to help. In fact, they told me that it 's not their job to ensure the report is accurate ; they merely report what 's told to them. XXXX told me this was my fault for not checking my credit. <P/>I contacted XXXX XXXX, who was more than helpful by looking up 6 years in the past to find the exact check where I paid them. It was paid on XX/XX/XXXX with check number XXXX. <P/>If not corrected before closing on my mortgage, this error will cost me 0.50 % on my mortgage rate, which equates to about {$42000.00} of interest that I 'll be forced to pay. <P/>The credit bureaus should be held liable for allowing fraudulent information on their report without doing their due diligence to ensure its accuracy. They have a responsibility to their clients who purchase those report and use that information in financial decisions. Furthermore, they have a greater responsibility to the public, whom eventually pays for their negligence. <P/>Please, I need help. I 'm just one person who feels like they 're being disparingly treated because they may not have the financial means of others. I have a right, like any other, to ensure my history is reflected properly. <P/>If the CFPB wo n't help, my next step is to consult with an attorney. I 've done everything I know to do without going further, but this must be rectified before it cost me thousands.
After many attempts to have my home modified and treated fairly, it is my conclusion that based on facts such as my race, gender, age and XXXX Bank of America has denied me any and all assistant to maintain my home. I have provided all documents since this process started and all BANK OF AMERICA has provided to me been stressed, harassment and unfair practices dealing with mortgage assistant. 

I would like to file a discrimination charge against BANK OF AMERICA.
on my credit report Experian is showing Reliable Credits last post as a reposession. That was in our bankruptcy and PAID IN FULL. It was reposessed as you can see on the credit report we had to RE file the bankruptcy because there was missing information from my hunbands employer. The court ordered Reliable to return our vehicle and we paid it off through the bankruptcy. And should not be reported until XXXX as the bankruptcy will be done reporting after XXXX
I was banking with Bank of America a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Bank of America of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.
I have disputed this several times as it is being listed incorrectly. I have had a very hard time getting information as to why this is on my account. It does not list creditor or who filled complaint with the court. It just says XXXX and a release date of XX/XX/XXXX. This item is so vaguely listed and has an incorrect release date, considering that this was paid in XXXX. In XXXX, I was notified by XXXX that I owed them money for an over payment of benefits. This was paid in XX/XX/XXXX, I have attached receipts of payment from XXXX. 

This account was deleted by both XXXX and XXXX because this account is incorrect and should have never been reported on my credit report. This was clearly paid in XXXX and needs to be updated or removed immediately. I am being denied a mortgage because of this incorrect item.
Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX/XXXX/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law.
I submitted a credit dispute around XX/XX/XXXX and results were mailed back to me that dated XX/XX/XXXX. A previous dispute was submitted before this one, but I can not recall the dates. This dispute was to correct an error showing that a collection occurred on XX/XX/XXXX for a student loan from XXXX XXXX XXXX XXXX. I had provided a statement from XXXX stating that the account was paid in full as of XX/XX/XXXX. I tried to explain that the account was not a collection but should have been a paid-off status, even reasoning that an account could not possibly go from good standing to a past due collection. All of these attempts to change the incorrect information have failed. The XXXX account marked as a collection in XX/XX/XXXX needs to be changed to a good standing account that was paid and closed in XX/XX/XXXX.
this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter
On XXXX XXXX, XXXX I used my rights to ask Transunion to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information.On this day XXXX/XXXX/XXXX I 'm sending a final warning and it 's about them not providing information to report on my report legally. They did not provide me proof of verification.
I am not given any information when I need to renew my repayment plan, I am just sent a very large bill that I cant pay. When I contact them to have the issue fix, I get a run around, am given information to sign up for programs I do n't qualify for, throw into " forbearance '' so they cant still collect interest while hopefully fixing the problem. I have even made a payment a few years ago on a small amount that they say was for some reason not included in my consolation. I now have it on my credit report as default .... I do n't have the proof of payment as it was much later I found out they did this! Very bad company to deal with. Rip you off every chance they get.
I have received a letter from " Linebarger Goggan Blair & Sampson, LLP Attorneys at Law '' repeatedly over the past year. It claims that I have the amount of {$87.00} due to " XXXX XXXX XXXX '' with a 6 year old license plate from Florida. 

It claims " Our law firm previously sent to you a letter regarding your debt with XXXX XXXX XXXX ( XXXX ) for unpaid tolls and related fees in the amount of {$12.00}. You have failed to respond to our correspondence and we are assuming that this debt is valid. 
According to the XXXX, you have an additional outstanding debt in the amount of {$75.00} for unpaid tolls and related fees. Unless, within thirty days after your receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid. If, within thirty days after your receipt of this notice, you notify us, in writing, that the debt or any portion thereof is disputed, we will obtain verification of the debt or a copy of a judgement, if any, and mail it to you. If the original creditor is different from the creditor named above, then upon your written request within thirty days after your receipt of this notice, we will provide you with the name and address of the original creditor. 

Payment can be made by credit card by logging on to XXXX   ... ... '' This company is a scam. I contacted the REAL XXXX XXXX XXXX  at their REAL website and they have NO record of me owing money on a missed toll. I have the XXXX in my vehicle and have never not paid a toll. 

The amount of mail that I receive from this SCAM is insane. I get a letter once a week. If you look up the " Linebarger Goggan Blair & Sampson scam '' you will get all the information you need!
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
I have attempted to dispute a very old account with this company for a long time and I have gotten no where. I stopped payment on some checks because I finally realized I was being lied to by Portfolio as they kept making promises that if I paid they would remove this account, but then I was being told that they would sue me and my wages would be in jeopardy. I asked them not to do that and then out of fear I attempted to pay and then I contacted XXXX XXXX  and was told that this account was charged off and I was not responsible for it. When a company charges something off it is included in their taxes and they are somewhat compensated by it. By re-selling the debt they are not only compensated by the federal government but they are getting payment on top of that by having this aggressive and unfair third party company hound me by mail, voicemails and calls and endless threats. I do not owe anything and the charges which XXXX  claims I have as outstanding have been paid in full and I am not responsible. Portfolio is enjoying ruining my life and my credit and I will not stand for it anymore. Their letters contradict what they say on the phone, they are sneaky and manipulative.
I have an HSA account with the Bank of New York Mellon. They have failed to disburse any funds from that account for the last 6+ months. Their checks have not worked on multiple tries at my pharmacy. Their credit card has not worked on multiple tries at multiple pharmacies. They have failed to send me a new credit card. On the last occasion, after claiming my direct deposit transaction was 'completed ', they failed to actually deposit the funds into my account. This caused the last check I wrote to bounce by a ~ {$3.00}. And of course, they charged me {$25.00} for this. This check was an attempt to rollover the funds into a new HSA account since they have failed to provide services to me. 
At a minimum, I would call their failure to disburse my money a lack of good faith. But judging from their timing in not depositing funds while at the same time 'trying ' to cash a check, I suspect deceptive practices. I was also told on the phone that if I close my account, they will continue to charge me monthly fees. The person I talked to also refused to pass my call to a supervisor.
I applied for a Bank of America Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was XXXX could n't work. I could not afford to make payments. Bank of America sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. XXXX, XXXX XXXX XXXX, XXXX is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.
Debt was not discharged in bankruptcy, but nothing on description seemed to apply. Asset Acceptance ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, Asset Acceptance nor XXXX why or that it had been put back on. What is the purpose of hiring these companies or coming up to agreements if they only get things removed temporarily while your working with them and sneak it back on later???
XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.
My home flooded I paid for the repairs Insurance company put mortgage co on checks They refuse to release money so I ca n't pay my bills Mortgage They need to refund all late payment s and release my money
XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
XXXX submitted my name for a collection that did not belong to me. I called and was not helped at all. They were not rude, just not helpful. I agreed to pay this bill as i was in a bind and needed it off my credit report, they agreed to delete and for quite a while it was off my credit report. It has shown back up and no one has attempted to help me get this removed. I could lose my job because of this.
I purchased a new vehicle on   XXXX   XXXX   XXXX   at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my   XXXX   XXXX   which was Financed with   XXXX   XXXX   XXXX  ,   XXXX   XXXX   obtained a 10 day payoff in order to send  XXXX  the correct amount owed. I started receiving collection calls from   XXXX    around   XXXX   XXXX   asking for payment from me I stated that I traded the vehicle in on   XXXX   XXXX   and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with  XXXX  but they did not remove it. The Dealership overnighted the payoff check on   XXXX   XXXX   and now my credit suffers because of it.