WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Recently, I filed a dispute with XXXX in regards to my XXXX XXXX XXXX credit card. XXXX was reporting the account on my credit bureau twice and had an incorrect balance ( {$14000.00} ). On XXXX/XXXX/XXXX XXXX sent an update to the bureau 's that removed XXXX of the duplicate accounts from my credit file, however the failed to update the correct balance and payment history on my account, but put that the updated information was as of XXXX/XXXX/XXXX making it appear to other creditors that I had not made a payment on my account since XXXX of XXXX resulting in my account being 4 months past due. This caused another lender to significantly reduce my credit line less then 48 hours after the update XXXX sent to the bureaus. I called XXXX to get this resolved, I spoke with XXXX representatives from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). Both informed me that I needed to fill out there disputes form and mail it in with a complete copy of my credit report. I informed them that I have already filed the dispute with the credit bureau directly and that under the fair credit report act / FACT ACT I have met my regulatory requirement in filing the dispute and that I do not have access to a printer. In order for me to complete there form and send them my report I would have to travel XXXX minutes to the nearest FedEx to print the form and report which is XXXX pages long which would cost me near {$10.00} in just printing charges and then additional charges to ship it, not to mention the XXXX hours I have now spent on the phone trying to get this resolved and an additional XXXX minutes each way just to the store. This is highly unacceptable. I have met my legal requirement to get this matter resolved. I scanned into there system the paperwork and evidence that they require for resolution which is above and beyond the legal requirement to get this corrected. They have caused adverse action to be taken against me within XXXX hours of there mistake and could cause additional adverse action to be taken that XXXX not be reversible. I am already being told that additional inquiries will be necessary in order to reverse the adverse action once the correction has been made by XXXX which will further deteriorate my credit score. 

XXXX made not XXXX but XXXX mistakes, and after following the proper legal course of action they do not wish to own up to there mistake and fix it with out causing additional delays and potential damage to me. No other financial institution has this requirement, it is not a requirement mandated by any law. They need to fix there broken process and correct there error immediately.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   XXXX     30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have contacted for proper validation of debt from XXXX XXXX XXXX and this is a final attempt through here. 
Account # : Unknown Amount : {$890.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with XXXX XXXX XXXX and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX XXXX XXXX XXXX XXXX. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless XXXX XXXX XXXX can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. 
Thank you.
Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections
Lendmark Financial Service. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code 241.Lendmark Financial Service , unlawfully with out a court order or proof of claim arbitrarily deprived me of my property without due process of law. The  seizure  of my property without a warrant and without a court order is a violation of FRCP rule  41 and 18 U.S. Code 983.      I was never personally given any loan fr om Lendmark Financial Service and was never given any accounting or receipt disclosing the transaction which took place between Lendmark Financial Service and the seller. After further discovery I have learn that Lendmark Financial Service used my identity to   obtain a fraudulent loan from   XXXX   XXXX   XXXX   XXXX  . Therefor e Lendmark Financial Service is not the  holder in due course, which would explain why they could not provide validation for the allege debt.     It is more then clear that  Lendmark Financial Service  has committed fraud being that  Lendmark Financial Service is a Co rporation and corporations or banks can not lend credit and that  Lendmark Financial Service pro vided false representation to the credit bureaus which is defamation of character, for a loan that never existed. Due to the fraud committed by  Lendmark, my  property was stolen from me unlawfully, I have been denied credit based off false information and been the victim of identity theft.
Called me and my daughter and mother and said they were a law firm and are going to send an officer to my house to serve me a summons and i could serve jail time if restitution is not made immediately. My daughter and mother are terrified! They were told this would happen to me after contact on theur own private lphones at their homes.
To Whom it May Concern : I am writing to dispute a fraudulent charge on my Discover account in the amount of ~ {$500.00}. I opened the account in early XXXX and shortly after fraudulent charges began to appear. I was unaware of the fraudulent charges until today, XX/XX/XXXX. I am a victim of identity theft, and I did not make these charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act 's amendments to the Truth in Lending Act, 15 U.S.C section 1666-1666b, 12 C.F.R section 226.13. See also 12 C.F.R section 226.12 ( b  ). Thank you for your assistance.
During the transfer of servicing the Insurance loss payee was not updated. I have had a loss and the check was issued to the previous servicer. Nationstar rep XXXX it was my responsibility to notify my insurance company.
I have been working extremely hard to increase my credit score. I received notification that I had XXXX new accounts placed into collections that I was never notified of before hand. I called and spoke with XXXX. I received a copy of the bills that Debt Recovery Solutions had, but not before taking a hit to my credit. I lived with my family in the same house for five years. Never did I receive anything regarding these bills. Then we move to NC for my health and all of a sudden things are hitting my credit from this company without any prior notification. This company is not operating properly under the law.
This collection agency is attempting to collect a debt from a company/entity called " XXXX XXXX XXXX. '' I am not that company and have never heard from them. I would like this collection agency to stop sending collection notices to my home address concerning this company/entity. The collection agency has also never provide any proof as to how a company called " XXXX '' or who they are, owes any money??
my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.
Navient quoted me a repayment rate of {$530.00} under the income-driven repayment plan. Once I applied, I got a bill for double the amount. I was forced to put the loans in forbearance again.
I 'm in the middle of a refinance and for some strange reason Ocwen is holding up providing a payoff letter. I 've had to reschedule my closing date of XXXX XXXX, 2015 because of this and I would like for any assistance you could provide in this matter. Calling these people ( Ocwen ) is like talking to a brick wall. Please have them forward the payoff letter to XXXX XXXX as soon as possible so this matter can be resolved.
On XX/XX/XXXX, I purchased a XXXX plan. They told me my account would be active in 1-2 weeks. 
On XX/XX/XXXX, after trying to use my service for the third time, I Still could not watch a movie. So I sent XXXX a cancellation request email for their service. I received no response of course. 
On XX/XX/XXXX, I filed a dispute with my Citi XXXX, where I placed the XXXX charge. They immediately refunded my money. 
On XX/XX/XXXX, XXXX messaged me regarding the chargeback request and the suspension of my account stating that if the vendor upheld my payment, I would need to email them to get my account reinstated. 
On XX/XX/XXXX, Citi messaged me with an updated stating XXXX had responded to their inquiry. They reinstated the {$110.00} charge on my account. 
on XX/XX/XXXX, I emailed XXXX and asked them to reinstate my account. No response. 

An individual pays {$110.00} to watch 2 movies a month. Out of my entire service, I have maybe been able to watch a single movie. I do not think it is fair to charge for this service as I can not use it and even when I try to use it, it A ) does not work or B ) XXXX did not reinstate my account to use it. I am not a chronic disputer. This is the only dispute I have ever filed with Citi. I do not want to pay for a service I can not use and neither do I want to use anymore at this point. XXXX is the WORST vendor I have ever worked with.
On XXXX XXXX 2017 I called Transunion because I noticed that some inquiries that had been previously removed had reoccurred on my report. I spoke with a representative by the name of XXXX. XXXX was very rude and impatient. When telling XXXX the reason for my call XXXX replied that no inquiries were re- reported to my account according to her computer screen. I informed XXXX that I am very much aware of my rights and that I would like for her to send me a picture or document of the screen that she 's referring too. XXXX responded by saying she has verified the information for me. I constantly told XXXX that this information was accurately reported and that I was not mailed a 5 day notice prior to the re-insertion of the inquiries which is FCRA law. Any computer glitches that takes place is not a problem of the consumer ( me ) but the company ( Transunion ). I felt the need to contact Transunion in good faith to ask that the inquiries that were legally re-inserted be removed.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX California XXXX XX/XX/XXXX CHASE BANK XXXX XXXX  # XXXX XXXX XXXX De XXXX XXXX : Chase Credit Cards Account Numbers : 1 # - # XXXX - {$800.00} 2 # - # XXXX - {$5200.00} 3 # - # XXXX - {$2100.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : CHASE BANK XXXX would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 

XXXX XXXX XXXX., XXXX Without Prejudice XXXX XXXX )
I purchased furniture from     XXXX   XXXX   t  hrough a company called  XXXX  Now. I 've never been late on this account ever I was having financial hardship. I called the store spoke with the  XXXX  she said if I returned the merchandise I 'll be fine. I took the necessary steps I also asked her was this going to affect my credit she insured me that it would n't. I checked my credit report I was reported late in  XXXX  and  XXXX ? I disputed this item with credit bureaus also sending in the receipt from the company with the date the merchandise was picked up. This merchandise was picked up in the beginning of  XXXX  so how I was late for  XXXX  and   XXXX   and the account was closed in  XXXX ? I 'm asking the bureaus remove this negative information off my report
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, XXXX or TransUnion that this account was being placed back on my credit.
Before entering the military, I, XXXX XXXX XXXX, attended XXXX XXXX XXXX in XXXX XXXX, Texas for 1-year. During that year I took out federal/student loan to pay for books and classes. After this school ended, prior to enlisting, me and my mother XXXX XXXX XXXX had called the company by the name of Great Lakes to set up a loan forgiveness program. We accomplished the plan of deferment of 1-year/ 12 months. After that period, we were to begin payments. After the year passed, no notifications were made of the amount that should be taken out. It wasn't until they threaten to garnish my wages and send the amounts into collection without my awareness. I wasn't able to contact the company via email without response. Neither could I call by cell phone because I have an overseas plan. After speaking with a legal representative, I was encouraged to send this email, and see how I could paid my debt.
A third party operator keeps calling my place of employment, they represent a third party debt collector. I 've never provided a general phone line to my place of employment, and have told them repeatedly that I can not take personal phone calls. The company is called MCM. What concerns me is how they got the phone number since I never provided it and why they continually call when I say I can not take personal calls at work.
I took out a personal loan during a difficult time from Big Picture Loans after receiving a document in the mail being approved for {$670.00} plus a {$160.00} finance charge. I paid on this as I was scheduled and I recently received a notice that my rate is going up next pay period when it should be paid off at this point. I feel trapped in a perpetual payment I can not escape with mounting debt. Is there anyway to settle this without driving me to bankruptcy? Please help.
Our bank allowed XXXX to withdraw money from our checking account without our consent. Also the name on the XXXX account was different than ours.
On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , there are multiple inquiries from  XXXX   XXXX  and  XXXX  on my Equifax Credit file that I did n't authorize.
My complaint is against NCO Financial, formerly XXXX. Enough months ago to have cleared up this matter BEFORE losing my tax return, my husband received a phone call from NCO. They identified themselves, and made it known that I had about {$6000.00} in student loan debt and they were looking to collect on it. My husband informed them that I had been paying on my debt to rehab it and things turned sour there. He asked them to please not call again. The next day we received another phone call from them, to which my husband was told what I owed and it was an attempt to collect the debt. Things got even more sour and they were told to not call again. This company has my address on file, I had to verify it upon my phone call today to find out why they had taken my student loan with out given me written notice of my debt. I was not able to obtain any information only told that they can help me clear up my debt by making an arrangement. I never at any point prior to today 's conversation was made aware in writing that I owed a debt. I am filing this complaint today because even though they made a phone call and divulged my personal information to someone who was not authorized to have that information, they have not sent me, in writing, notice of my debt and subsequently took my tax return, without giving me ample opportunity to made good on the debt owed.
BMW Financial services is reporting information to all XXXX credit bureaus, incorrectly. I disputed the information on all XXXX credit bureaus, yet they still report it incorrectly. I need the account removed, completely, from my credit file.
As of  XXXX    XXXX    Capital One reported a 30 day delinquency on my credit report, which decreased my credit score  by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted with in 48 hours by a manager to further discuss the situation, that  was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to  this one incident I feel Capital One has ruined th e good credit I have maintained for over 20 years.
I received a XXXX gift card for my birthday XX/XX/XXXX. I tried to use the card Monday XX/XX/XXXX. The card had the pin number that needed to be scratched off. The card was not used by me previously, as the number was not scratched until Monday. The clerk advised me that the card had a XXXX   balance. The card was worth {$50.00}. I explained I never used the card. The clerk suggested I contact the toll free number noted on the Gift Card. I contacted them, and the person I spoke with stated there was a XXXX  balance and the card was used in the XXXX XXXX XXXX California store. I typically order my items on line which I explained to her. She investigated and found the card was used XX/XX/XXXX in the store for cosmetics I do not use. I am not sure how the card could have been used without the pin number which as I stated above was not scratched prior to XX/XX/XXXX.
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
southern collection systems have contacted me twice before XXXX XXXX, regarding a debt for XXXX. The first time they called at exactly XXXX XXXX pst and left a voicemail which registers on my phone at exactly XXXX XXXX. I requested the next time I spoke with them not to call before XXXX XXXX. However, they called again on XXXX XXXX at XXXX am.
Dear Sir/Madam, I recently incurred multiple overdraft fees from PNC bank and it was clearly manipulated such that all checks " batched '' on the same day were ordered from " highest amount '' to " lowest amount '' in order to purposefully " cause '' multiple overdrafts. We 're looking to switch to another bank ... have been a loyal customer for XXXX years but this is extraordinarily unethical ... it borders on sinister and devious. Did I mess up? Absolutely. But had they ordered the checks lowest to highest, the overdraft WOULD NOT have been triggered until the very last check. Instead, I have XXXX or XXXX overdrafts as the largest check was intentionally processed first. Extremely angry in XXXX, MD. It may be legal, but it does n't make it right. Thanks for listening.
Received an email from XXXX XXXX alerting me of a new inquire that was made on my account. I have not given anyone authorization at all in the last 6 months to run my credit. I logged in to my XXXX XXXX account and saw that today XX/XX/2018 XXXX ran an inquiry on my credit and then that XXXX XXXX ran one XX/XX/2018 as well. I did NOT give authorization for either of these companies to run and inquiry on my credit what so ever.
This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.
I am in possession of a letter from XXXX XXXX XXXX showing that my home loan was paid in full on XXXX/XXXX/2008. This is being reported to the credit bureaus as un-satisfied and it is keeping me from purchasing another home and impacting me negatively. Can you assist me with getting this expunged from ( EFX - XXXX and XXXX ). Thank you in advance for your attention to this urgent matter.
consumingIn XXXX we talked about my debt. Then they call me again in XXXX. 
Using treating language, and failed to notify me of any court dates. 
I am retired and live on a fixed budget. I told them this but they persist and got a Judgement of 6 %, that they charge anytime they like. Plus change me for the court case, so all the money I pay was consumed by their tactics. Some of what they do should not be legal or allowed. If I am paying then they should not be consuming it up with legal fees. They company who hired these crooks is responsible.