WillisBack/dataset-financial-user-claim huggingface dataset:
On  XX/XX/XXXX     I checked my credit report and noticed an address addition and a charge off debt which are not mine! I put a fraud alert to all credit reports. I contacted the company that sent the charged off debt  XXXX   XXXX , they stated that they sent the information to Equifax but it was for a different  XXXX   XXXX  and Equifax put the information of that person on my report it was supposed to go to a different  XXXX   XXXX  who also lives in  XXXX . I contacted Equifax over  20  times yesterday trying to solve this issue I even did a dispute on line. I do n't feel I should have to wait 30 days to get this resolved since it was Equifax, employee incompetence. They left me on hold and never came back to help me with my issue and now I have to send them information to prove its not me when they should do the research. The consumer that the information should go on is  XXXX   (  with  one  L )  XXXX  who lives at  XXXX   XXXX   XXXX   XXXX   ,   XXXX  MA  XXXX  they need to  contact   XXXX  XX/XX/XXXX  and  XXXX   XXXX  and verify also check social security numbers  two  different people. Remove from my Credit Report I will file a lawsuit.
CACH XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. CACH XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If CACH XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
i have contacted this company several times regarding this debt. It does not belong to me. I have owned an XXXX car.
Hello, My name is XXXX XXXX XXXX. I am an XXXX Military servant. I am tired of submitting a complaint for the same Fraudulent account 25 times, day after day and month after month. Your company has aided in ruining a once XXXX credit file and for the past 5 years have turned my life upside down and ruined my life. Now you need to correct it. My Social is : XXXX. 

An account by the name of : XXXX that was placed for collection activity in 2011, seems to continually appear, even after subsequent reports and documentation that is is fraudulent. 
All you do is just sit there, laughing and hvaing fun after reading the documents. Then you place a Fraud Alert on my acocunt, for something that should have been removed 5 years ago. How do you justify your job, to keep placing fraud alerts on my profile - AND NOT EVEN INVESTIGATE and REMOVE THE ITEM? Just providing a dated update? 
This is such a shame and I am sick and tired of dealing with having to call and being told I have to be transferred to this dept and then to that department and then to another department - only to find out that that 4th department is CLOSED! 
Like you I have a job. But unlike you, I hav integrity and I do actual work and take pride in my work. I do what is right when I know something is wrong, it gets resolved. When action is required, I take care of my customers! 

So, in short, I am expecting the removal of this AUTOTRAKK item that is fraudulent. Yes, back in 2011, I was the Victim of Identity Theft. You have all the documents and you 're still making the victim pay. it 's like I have been XXXX and you blame me for allowing it to happen. Yet the criminal is living the great life. 
This needs to be stopped. AGAIN - REMOVE THE XXXX ITEMS from my file and REMOVE IT NOW! 
You, XXXX and Transunion are all dirty operations. This is why your companies are always sued for XXXX dollars because you provide false and misleading information on consumers ' reports.
Bank of America sold my account in XXXX 2016. It was never delinquent, but Bank of America reported it delinquent in XXXX 2016.
The managers at the XXXX raised my rent to {$550.00} while still advertising the same aprtments XXXX bedroom for {$540.00}. I did n't agree to pay her {$550.00} so I did not renew. Now I am being charged {$1100.00} for fraudulent claims. Including that I moved out on the XXXX of XXXX however I have statements from the storage place that I returned the XXXX to. All through email. So there are records showing the lies and deception tactics to rob citizens of our money.
I have initially filed a complaint against Chase Mortgage. Chase continues to report the complaint as being solved and closing out the case. Please re open. Chase Bank has failed to credit my account. There has been an great amount of corporate advance fees and other unexplained fees. The initial modification was a permanent modification and there are in excess of two years payments that went to a " phantom account. '' Chase has no explanation and continues to send computer generated letters stating " They are investigating the matter ''. This has gone on for a number of years. My current mortgage payment is over XXXX dollars more than what it should be. I believe Chase is using unscrupulous and unethical measures to attempt to accelerate on my home. I need immediate help and intervention from Consumer Financial Protection Bureau. Please hold this giant liable for preying on middle class wage earners and obligate them to make the necessary credits and adjustments on my account. If you have attorneys that are willing to look into this matter, I will cooperate fully. I would like to " blow the whistle '' on the strategies they are using.
My wife and I are 1 week away from closing on a house. Our original loan estimate stated a monthly payment of {$1400.00}. Well yesterday we received the Closing Disclosure ( CD ) which stated a monthly payment of almost {$200.00} more. The lender informed us the increase is due to the inclusion of city tax which he did not include in the original load estimate and an increase in insurance premiums. My issue is twofold. First, are the lenders not required to do the proper research for the loan estimate to determine what taxes are included? They clearly did n't and according to their response, " the actual property taxes are provided with the title search and that the closing attorney gets this information directly from XXXX XXXX and city. '' Secondly, we sent the lender the up-to-date insurance numbers at the beginning of XXXX and only now have we been shown how it changed the rate. We never received a revised loan estimate. Over the phone the lender told my wife that is not something they do. Bottom line, had we known the monthly payments were going to be the CD number, we would have backed out long ago and pursued another house. As it was, it was on the top end of our budget and now its over!
Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX,  Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention
In XXXX 2010, I MOVED to XXXX. I left the state of XXXX, XXXX XXXX and XXXX XXXX XXXX is collecting on unauthorized electric bill charges to a residential address that the bill was paid in full upon my departure from the state of XXXX. XXXX XXXX is wrongly collecting & reporting & refusing to remove debts and old account information almost seven ( 7 ) years ago and not owed from old creditor files and information
Debt of {$360.00} showing on my Equifax account for a water service that I do not have.
The collection agency is trying to collect debt that I do not owe. I had and currently still have medical insurance for the dates of service. The medical facilities did not notify me of any kind of debt nor did they bill my insurance instead they sent me straight to collections without me knowing and now due to interest the account is tripled. The medical groups are wrongfully billing and affecting peoples credit.
I am a customer with Friendly Finance for almost 5 years now. I have gotten into a place where I have had to make arrangements with this company due to lost of job unexpected life event, I have always kept my agreement and have tried my best not let the company " GUESS '' my circumstance. I have made an arrangement with this company to pay {$400.00} a month {$33.00} more then my payment so that they will finally give me an extension on the account to cover the month I had gotten behind. So i have been making {$400.00} payments every month for the past 3 months and have 1 more month to go before they will give me the extension to bring me all the way current. But I have kept my agreement. On Monday he called me to verifie my arrangement to make payment on Saturday. HE TOLD ME WHAT MY ARRANGEMENT was ... ... I said yes and we hung up. 
He then procedes to call me 9-12 times a day leave multiple answering machine messages EVERY DAY and call my references EVERY DAY after we hung up. From bogus numbers as if they are in my town or a different state but when you try and call these numbers back their is no connection. I work during the daytime hours so no one has time to talk to someone every SINGLE DAY when i have already made arrangements and have a history of keeping my PROMISE. I called the company to request a Supervisor to complain they said they could n't let me speak to one at that moment but would have one return my call and no one has returned my call. This goes on month after month. When i am clearly making my payment each month as i have agreed. And to threaten Rep on my answering machine i just think is unfair and causes me a great deal of stress on something I feel I am doing and keeping my promise for. I just do n't understand why they are just aloud to do whatever. I fear my car will be gone every morning i wake up even though I am doing what they have asked me to do. I ca n't continue to go through this I wish I could just give the car back but you and I both no I can not do that when my livley hood depends on getting back and forth to work. Thank you so much for your time.
synchrony XXXX  is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.
Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX  DOUBLED TAXES/INSURANCE in escrow.    XXXX   XXXX   XXXX  - Letter stated payment would go to {$1400.00} on  XXXX   XXXX   XXXX  from previous monthly amount of {$1100.00} *Discovered their escrow include my yearly taxes and insurance doubled  XXXX   XXXX  - made payment of {$1100.00}. invoice said {$1100.00}  XXXX   XXXX  - Made payment of {$1400.00}. invoice said {$1400.00} I paid on phone with rep who said they would do an escrow review to resolve the issue with double tax/insurance on escrow . * T his is over payment of {$260.00} for  XXXX   XXXX   XXXX  - made payment of {$1100.00}  XXXX . invoice said {$1400.00}  XXXX   XXXX  - made payment over phone of {$1100.0 0} (   XXXX ? ) after several harassing phone calls to me about payment overdue discussed the issue with double tax/insurance in escrow. On phone for  XXXX  mins and then they disconnected me. Called back and was on phone  for 45  mins spoke to  XXXX  and  XXXX   (  tax dept ) no number given.  XXXX  stated she could see the double escrow and it just needs to be removed. Told them I would be reporting the issue in 15 days if this is not properly resolved.    XXXX   XXXX  - Called again to resolve the " overdue '' after I received letter in mail dated  XX/XX/XXXX   XXXX   XXXX  - made payment of {$1100.00 } (   XXXX ? ) invoice said {$1700.00}.    XXXX   XXXX  - after several phone message to me from SLS I returned call. On phone for 30 minutes. They said they have not received payment for  XXXX ! I once again asked if they had issues resolved and also what happen to my (  2 )   XXXX  payments. Was disconnected again.    XXXX   XXXX  - Billing invoice for  XXXX  states I owe {$2900.00} which doubles what they continue to incorrectly bill me for my monthly invoices ( {$1400.00 } ).      By my account they owe me : - {$1100.00} double  XXXX  payment - {$260.00} for over paying back in  XXXX .   TOTAL of {$1400.00}.     They have been horrible to deal with from constant phone calls and messages at all times of the day/evening to their inability to resolve issues even after they agree the issue is theirs not mine. The extra money and funds they are holding is causing a financial hardship in my monthly budget. The time to have several lengthy phone conversations during my working hours is causing loss of work productivity that I should be compensated for.
Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXX XXXX XXXXXXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Collection companies are changing dates of original date of debt. I contacted collection agencies and receive no response. I contacted Equifax and they tell me I have to prove it. Yet Equifax has had it on my credit for numerous years. For example : XXXX XXXX shows {$240.00} this year - the debt from XXXX was acquired in 2006. This shows up on all credit bureaus. XXXX XXXX shows I owe them, I went to court, the debt was dismissed IN COURT because I turned over my home to XXXX XXXX, Equifax will not remove from my credit, even after I mailed then proof of the court document. I have four credit cards - all in good standing - why does n't Equifax reflect that in my account or score? Also, their credit score is XXXX points less than the other credit reporting agencies with the same information, why?
I have never had a relationship with this company but came across a post on XXXX that greatly disturbed me. The VP of XXXX made an incredibly disparaging remark about XXXX XXXX ( XXXX ) in a public forum, where he compared her to the XXXX " character '' that was proven a hoax. 

Given the platform that XXXX in regulating financial entities, this seems not only irresponsible but completely inappropriate. As a VP of XXXX, I would expect him to comport himself with a completely different level of decorum. One could assume that his commitment to compliance may be questionable if he is so openly vocal and disrespectful to the members of congress who set those rules and regulations.
I applied for a loan with XXXX XXXX, was denied credit because my FICO score showed a pending bankruptcy with Trans union. This is incorrect! The bankruptcy is final and discharged on XXXX/XXXX/2008. I called Trans Union XXXX times! I cant understand any of them!!! Tell them to hire Americans, the ones that pay taxes in this country! They deny that it 's pending and the FICO score shows it is pending. I called FICO, they wo n't tell me nothing and tell me I have to contact the Credit Bureaus to change my FICO score. So what do! One denies the credit report and FICO wo n't give me no information! This is not right, If some organization is using a system to judge me, I should have the right to any information used on me!! I do n't know who to contact. I want my credit straightened out.
Date :  XXXX   2014 Amount : {$9600.00} No disclosure received Action : I called several times and they keep transfering m  e to oth er department.
I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
GC Services limited partnership continued to mail me to collect a debt claimed by XXXX. I provided them with documentation from my credit card bank which refund my money and a statement of my new TV provider, XXXX stating the date of my new service which conflict XXXX claim. However, the GC keeps contacting me regarding this issue
My Mortgage company is Ditech. We bought our house XX/XX/XXXX. I wanted to pay my own taxes and insurance, was told I could not. Escrow monthly is {$310.00}, more than enough to cover everything. When the XX/XX/XXXX taxes came due I started getting notices that it had not been paid. Called ditech, said they paid it. VERY LONG story and over 30 hours on my part and now with fall late charges and spring coming due, I finally discovered the problem was they had the wrong Parcel #. Still they would not pay it or change it. They paid on the wrong parcel number ( {$270.00} ) every six months. Guess that low amount compared to what I had in escrow didnt cause any red flags. Finally had to get a lawyer involved even after I sent tons of paper work with the parcel description etc. It was finally paid all at once in XX/XX/XXXX. 
Then they didnt pay my insurance .... another fight insued and I finally got them to pay it one day before cancellation! Then they tried to tell me that my Escrow was doubling because my taxes doubled!!! This was because they paid them both at the same time so somehow that meant in their computer that the taxes doubled. 
Mistakenly I believed all to be fixed as they assured me it had. I did petition to take over Escrow since I had already invested 60hrs of my time to make it happen ... ... Then in XX/XX/XXXX I started getting the letters again that my taxes had not been paid! Then an email that the had in the amount of {$270.00} ... unbelievably to the WRONG parcel number again! I called and Ditech says they have NO RECORD of all the changes etc. He says that the only thing in my file is a request from me to check the parcel number I thought it was wrong ... this was XX/XX/XXXX. NOTHING else in there. Im beyond words.I just get the pat answer and no one can help. the first time around I left over 10 messages for supposed supervisers. NEVER got a call back until my Lawyers letter was received. Of coarse friday no supervisor was available.
I refinanced my home. I paid off the existing loan before the 30-day late period, yet my credit score has been hit with a 30-day late on the account. It has been a month and it is still there. They are saying I am paid in full and never late, yet my report still shows it.
I have sent Experian numerous requests to investigate accounts in my credit report that are reporting incorrectly and they are not responding.