WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
My husband and I have had a Wells Fargo Equity Line for {$35000.00} that we got XX/XX/XXXX. We mostly only paid the interest and racked up to {$35000.00} on it. It is past the 10 years and it was closed XX/XX/XXXX when we tried to refinance our home with Wells Fargo but that loan was denied by them. We still have been making interest payments with a annual financial rate of 6.35 % along with credit insurance. Due to limited funds, it is hard to make payments more than that. We recently talked with Wells Fargo trying to refinance and open another line of equity credit for the balance of {$34000.00} because that was the only way to lower the interest and change the time frame of the loan from 30 to 10/15 years. We were denied due to lack of liquid assets. Please help with verbiage in talking with Wells Fargo and what other options we have to get this loan paid off. Please let us now if you have other questions and advice. We currently have our Home Mortgage with XXXX XXXX XXXX.
Unresolved investigation : I have n't heard from Equifax! 

Equifax reported a tax lien on my credit report that has been vacated by the State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX. 

I provided a copy and Order to Equifax and they have not complied with the order and they have n't removed the Tax Lien, although I provided them the supporting document. 

After receiving supporting documents XXXX and XXXX has removed the Tax lien  from my credit reports as appropriate. 

I am asking that Equifax remove the Tax Lien from my credit report immediately as has been ordered State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX.
I am writing because I have become very saddened by XXXX XXXX actions and XXXX. They purchased my account from XXXX. I paid XXXX actions, and they have sent me letters verifying a XXXX balance for XXXX and for them, also I have documentation stating paid in full. They just refuse to remove off my credit reports, and it 's hurting me as I apply for XXXX requiring a XXXX and higher. When I called XXXX, to file a dispute I was told that there was no point of disputing this information. But, as I exclaimed to her and XXXX XXXX, this is no longer a valid debt, and XXXX XXXX had agreed to remove from all my credit reports once final payment was made. Since, I have made payments as agreed, I just want them and XXXX removed from all my credit reports. The XXXX is due to fall of next year, but it 's currently hurting me as I apply for better jobs, and look at buying a home. On Transunion, it does n't state paid,. Can you please help me?
My credit report shows collection account from Midwest Recovery Systems opened on XXXX XXXX, 2017 for XXXX, XXXX, and XXXX. I have not had any recent payday loans in the past 5 years or more and do not recall a payday loan with this company. I have not received any type of debt validation notification or collection notices from XXXX XXXX XXXX prior to this debt reporting. I 've done some research about this company and from what I 've read, they are not licensed to provide or collect payday loans in the United States. It 's a tribal loan XXXX XXXX XXXX company.
After being a loyal customer of XXXXXXXX XXXX and a XXXX XXXX American Express Credit Card holder, I had to close both relationships due to a terrible experience with XXXX 's property at XXXX XXXX XXXX. I received an email confirmation stating that both had been closed accordingly. Then standing transactions began to post to the account again. When I called back in I was informed that the " partner '' had reopened my account. The Amex agent couldn't tell me who or why so I have to assume that partner equates to XXXX XXXX. I requested that the account be closed again and demanded an explanation of how this could have happened as this doesn't seem legal. I was told by Amex that they would submit my case for investigation and I would hear back. They sent me a message to a secure location that is no longer active since my account is closed. I haven't received any calls or emails with an update on the situation. 

Neither of these companies seem to care about how they conduct business.
lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report
Equifax has violated the FCRA by failing to give me a fair investigation into my claims, failing to block the items specified on my affidavit, and failing to mail me proper investigation results into my claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank are the results of fraud. XXXX XXXX XXXX has even admitted to willingly put a false address on my report as well as sending me documents stating that I owe no money yet they refuse to remove them from my report. XXXX XXXX XXXX is still allowed to be on my report after I sent Equifax a copy of an out of court settlement and XXXX has never produced the items bought on this credit, and I know XXXX can trace computers, XXXX of the most worked on computers by myself are XXXX that my customers have issues with. XXXX Bank has not completed their investigation and has yet to even tell me what was purchased at Reeds and I have even offered Equifax a picture of my ring yet Equifax still reports them. Equifax has not once completed a fair investigation, they just take everyone 's word and has never informed me that they think that this request was made in error or has accused me of lying to be able to keep reporting this information. I am attaching parts of the FCRA itself that Equifax has continually violated and what I will take them to court on. Equifax was warned and I will produce all these communications to a judge so he can see that I tried in good faith to get a fair investigation and get the fradulent accounts blocked as a result of fraud. I will also show that Equifax has violated the FCRA by refusing to block fradulent accounts as well as never giving on of the XXXX reasons allowed to refuse to block an account.
Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the Midwest and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME
This amount went from being XXXX to XXXX and is now XXXX and I never owed them a dime I gave them a XXXX dollar cash deposit.
I had a personal account and business account with wells fargo. I own a small salon and was doing my credit card processing with a booking company called vagaro. My wells fargo branch manager came to my salon with his laptop and for weeks tried to get me to switch my credit card processing to wells fargo. After 8 weeks of weekly visits with other members of the bank branch I finally agreed to switch if they would stop coming to my business. They had me sign a document at my business while I was with clients, after I signed I got a machine in the mail and began processing with what I thought was wells fargo. After the first month I was charge over XXXX dollars and fees and my account had multiple fee and withdrawls without any reason why even on days that my business was not open or processing credit cards. I had multiple accounts that were open and I had not opened them. I went to the bank branch 5 different times and they told me they could not stop the withdrawals from my account and that the branch manager had been promoted so I could not speak with him. They told me that I had to call a 3rd party who the processing company was with. I called and tried to send the processing machine back even though I had paid payments for it, I did n't want money back I just wanted to end my contract. They informed me that I could not send it back and that I would now be charge 3 times the amount I was told the machine cost by the branch manager and that I had to pay XXXX dollars to end my contract. My credit score went from XXXX to XXXX because of the credit hits that came from wells fargo and the credit card company. My small business is on the verge of bankruptcy and I am personally struggling because of this. I feel it is unfair for wells fargo to come and solicit my small business for processing and then charge me thousands of dollars in fees and withdrawals without answering as to why or how I can fix this issue.
Monday XX/XX/2018 about XXXX I drove to the Bank of America located on XXXX XXXX XXXX nc to make a deposit of {$2700.00} into the ATM that is closest to the building ( ATM ID IS XXXX ). I proceeded as normal to insert my debit card into the machine and pressed the required buttons to make a deposit, as the screen reads please insert cash now I inserted a mixture of {$100.00} bills and XXXX that were equivalent to {$2700.00}, The machine abnormally took a long time and I pressed cancel, two {$20.00} bills came out the ATM and also my debit card was kicked back out the machine and the whole machine went back to its normal original screen saver, I patiently waited in front of the machine for five minutes to see if the money was going to be showing up on my account, it never did, they have a XXXX number on the Atm that I called but the Programing wasnt allowing me to press any options, so I sat there fresh rated for maybe 30 more minutes, I decided to call my wife to see if she can call the one XXXX number from the house phone she had the same results, The next morning XXXX XXXX to call the make of XXXX to make a dispute about the trans action, they told me it would take XXXX to XXXX business days, today XX/XX/XXXX I called and they said that the dispute was finished and they denied me my money, ill be quested for the cameras that on the ATM and they said it would be two more days
On XXXX/XXXX/2015 an application for loan modification was submitted to Wells Fargo for the Making Home Affordable Program. On XXXX/XXXX/2015 my attorneys office called for an update from Wells Fargo. They stated that they already had denied the application at that time, however the representative stated that he could see that it was denied for an invalid reason and so he was going to reset the review. The representative indicated that he could see that they were going to need a letter of explanation for the paystubs. This Letter was provided to the lender the next day. On XXXX/XXXX/2015 a call to the lender was made to see if any further documents were required. At that time a second representative stated that they could not advise us regarding the status of the application because the assigned representative was unavailable and because she could n't understand the notes. Another call was placed to the lender on XXXX/XXXX/2015 and the same information was provided. No update could be given and they could n't see if everything that was needed was submitted. When a manager was request, I was advised that the manager for the representative handling the file was not there and had not been there for the last 5 days. It looked like they had everything but the representative was unsure why the file had not been submitted to underwriting. Since the submission of the documents on XXXX/XXXX/2015 not XXXX letter has been sent stating any missing documentation was being requested. At this point it appears Wells Fargo has not followed the time guidelines prescribed by Regulation X. XXXX XXXX wants to save his home and would like a speedy conclusion for a proper Making Home Affordable Review.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX
The issue is that a company named Rent Recover LLC is continuing to report thecollection account as " open '' when it has been discharged since XXXX/15. I have attempted previously to get this resolved with Rent Recover directly. I was told they would not remove this from my credit profile unless I paid it in full. It continues to show as an open account. This needs to be REMOVED immediately.
Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.
I have had to forbearance my loan and the percent increased so much. I am currently looking into the school I attended. Because I did n't finish but I never received the balance left. And I do n't believe it was reported back to Navient.
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. Equifax and XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
equifax, XXXX  AND XXXX is holding inaccurate information on my credit report :
In XX/XX/2018, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, XXXX, and Experian ), and they haven't resolved the issue or even replied to my request.
I am trying to send money to a friend via PayPal. I have my debit card link to PayPal. PayPal was going to charge me a fee of more than {$4.00} to send {$150.00} to my friend. There was marketing message ( attached ) saying that I could avoid the fee if I paid directly from my bank. I decided to make the effort to link my bank account directly. This is the same bank account that my debit card is linked to. I successfully linked the accounts. When I went to send the money to my friend PayPal did not show me the newly linked account as an option to pay my friend. Yet it still marketed to me the fee free method of paying. I inquired and was told essentially that the risk team has not deemed my bank account as eligible for this type of transaction. So the only way I can send money to my friend is through my debit card by paying the fee. This is despite the fact that the money will be drawn from the exact same account. This practice is misleading. PayPal continues to market to me to use my bank account to avoid the fee, even though I already have that account linked, they do n't show it and only show me the option to pay the fee. 

Also, why do they allow me to use my bank account to make online purchases but not to send money to friends. This seems self serving and a way to generate fees, not minimize their risk, which is their claim.
the three credit reporting companies have violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results
i have tried to contact XXXX/XXXX / equifax on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
In XXXX of XXXX, I opened an account with Citibank. It was a twenty four month, interest free account. I made a single purchase in the amount of {$4100.00}. I set this up throughmy credit union and paid this amount back in XXXX $ XXXXXXXXpayments, and XXXX payment of {$160.00}. This paid theaccount in full, in less then the required time for it to keep itinterest free. In XXXX of XXXX, I sold my home andmoved into my XXXX. I lived in this at different places until I bought a house in XXXX, in XXXX XXXX. During this time, I did not receive any statements from Citibank. I was notaware of any problem with my account. When I requested an updated credit report, in XXXX of XXXX, it came backwith a delinquent account on a Citibank card. I contactedCitibank, to find out what this was about. They was not much help. All they could tell me was that I owed {$1500.00} plus late fees, and that it had been turned over to collection agency. I disputed this and asked them to send me proof of this. They wanted proof that I had paid my account, as I had stated. As my account was paid through my credit union, bill pay service, I contacted them and they sent me all therecords on that bill payment, showing that I had paid the full amount of the original bill. In the mean time I received account statements from Citibank, Showing that a charge was made to this account, for the above amount ( {$1500.00} ), in XXXX of XXXX. I have contacted them several times, tryingto get this straightened out. I have sent them the proof of my payments, but they claim that this is a new charge. I ask themhow the charge was made, by phone, in person, or by computer? I also want to know how a charge was put on that account, as I still have the card they sent me and it has never been removed from the paper that it was sent on, oractivated. It plainly states on the sticker, on the front of thecard, that it can not be used until I call the number and activate it. The card has been in my possession in myfile cabinet, and never used, since I received it. Their answer to this is that it dose not always have to be activated thatway. I sent them all of the information, and a letter disputing this charge, on XXXX XXXX, XXXX. I received a short note back from where I had sent the letter, stating that they wereforwarding my letter to the appropriate area for investigation. 
That letter was dated XXXX XXXX, XXXX. XXXX the XXXX, I received a collection notice from XXXX XXXX to collect {$1900.00}, on this bill. I called Citibank, and ask what was going on, that I had not heard back from them about my disputing this bill. They stated that they haddetermined that this was a valid bill. I have called theirsecurity ops department, and talked with a lady that wasgoing to talk with her supervisor to try to get me some help on getting this straightened away. This happened on XXXX XXXX. As that was a Friday, she said that I may not hear back till Monday. I waited until Wednesday XXXX XXXX, Icalled again. Could not get the same lady, but anotherlady was going to try to help. I have called her several times, and she does not return my calls. Can you please try to help get this cleared up?
received collection notice from Dynamic Recovery Solutions XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
I have  sent 2 le tters requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to nagate my request and is in a violation of my rights. Under the FC RA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this clai m must be investigated properly and efficiently.
CEASE CREDIT REPORTING I CHOOSE NOT TO MAINTAIN A CREDIT FILE UNDER  F.C.R.A. 15 USC 1681a ( g ).
Pentagon Federal Credit Union is involved in a bait and switch with veterans credit cards in relation to cash advances. They roll over cash advances and then when you go to pay instead of paying the highest rate first as they advertise they have an algorithm that partitions the payment so you never pay the lowest rate completely. Their poor customer service folks have no clue what they are doing because it was designed in the high office in collusion with IT to make it innocuous. But they are stealing from the veterans they have pledged to protect and it is offensive!
Contacted Midland credit several times, I asked what the debt was and was told they do n't know as they bought the debt from another company. I explained I divorced in 2006 and asked if this could be my exwife 's debt. They did not know. I asked if they could send me any paperwork as I had zero debt. They said they only thing they could send me was a copy of the debt they bought, but nothing with my signature or proof of ownership. I asked them to remove it from my credit report and they said they could if I would send them a little money. This is very clear extorsion!