WillisBack/dataset-financial-user-claim huggingface dataset:
I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 
On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 
All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 
On turning the age of XXXX, it became my secondary policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
I disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXXXXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.
XX/XX/XXXX I refinanced my mortgage with the same bank that had held my mortgage for 5 years. I have always paid on time and my property taxes and insurance were escrowed and it was my understanding that all taxes due at closing were paid. XX/XX/XXXX the county treasurer sent me a letter stating that my XX/XX/XXXX taxes had not been paid. I contacted the bank and they informed me that they paid the late penalty and took the overdue taxes out of my current escrow and that I therefore owed them that amount ( @ {$3000.00} in back taxes ) in order to balance the account out and so that they would have the money to pay my taxes XX/XX/XXXX. I have asked them what happened to my escrow that was supposed to have been paid at the closing. I have received a letter stating that I should contact the title company or settlement attorney ( all of this was handled by them ). When I have spoken to them on the phone, they become very officious and demeaning and do not seem to understand the issue which is they told me that my taxes had been paid when they had not.
I checked my credit report, and seen a charge from AARAGON collection agency for {$33000.00}, I called them in XX/XX/XXXXto advise them that the debit was not mine. The rep stated that it was an old medical bill from XX/XX/XXXX, the had my old address, from a year prior, I also advised them that at the time of the visit I had given the hospital all current information, and had insurance at the time. The rep stated that it did not matter even if I back tracked my previous insurance that it was too late to submit, I also asked if the could send me something showing that the account was really mine. I then asked why did it take almost 4 yrs to show on my credit I was advised that it was with a previous collection agency, but I could not get the information, I have also disputed with XXXX and XXXX multiple times in XX/XX/XXXX and XX/XX/XXXX
I have TJX REWARDS MASTERCARD XXXX that the last time I used It was 2 years ago, on XX/XX/XXXX, I received an email indicating I need to make payment for {$2400.00} I disputed the transaction as fraud and TJX closed card and issued new one and credited the {$24.00}, but on XX/XX/XXXX I received an email account requires attention after calling TJX, It seems TJX transfer $ 24+ {$25.00} late fee $ xx interest but after reviewing the history with customer service of old credit card and the new cards all fees were removed except {$2.00} but the damaged was done it seems TJX collection reported me to credit bureaus that i was late and my credit score from above XXXX reduced to XXXX, XXXX and XXXX and XXXX XXXX reduced my credit limit to {$500.00} and after getting my credit report, TJX reported me to credit bureaus ( all ) that I was delinquent, it seems collection did not review notes on old credit card I have mortgage, credit cards and car loans for over 30 years and never been late, this is devastating.I am XXXX years old and now I have to pay higher interest rate for this errors and now Im considered as high risk so please help to remove the negative reporting in my credit reports from XXXX , XXXX and XXXX .
i had citi thank you prefer credit card for 10 years. They somehow decided to close my account for their own reason. No explanation given. Only letter stated that they have a right cancel the account. I have no problem with their decision because all other credit card companies are happy to have me as a customer. My problem with Citi bank closing my account is they forfeit/cancel/kept my XXXX points. they say that they have a right to do that too. That is a rubbery, i would call.
XX/XX/XXXX : I contacted Chase about XXXX XXXX XXXX XXXX  credit card ( current account ) which was upgraded from XXXX XXXX XXXX Credit card ( former account ) in XX/XX/2018 per email and USPS promotional materials. 

I reviewed my XXXX XXXX  loyalty account and noted that I was not receiving XXXX XXXX Credit for each {$3000.00} in purchases that I made. 

I have talked to representatives from Chase twice today and a phone message indicated that the call was being recorded ; I also spoke with representatives from XXXX XXXX. 

Both Chase representatives indicated that the " Terms and Conditions '' for my former account, Premier, contained both # XXXX  -- " Each calendar year a maximum of 15 XXXX XXXX  credits will be credited to one of your XXXX Loyalty Program accounts .... '' and # XXXX -- " You will earn 1 XXXX  XXXX credit for each {$3000.00} in Purchases. '' Both Chase representatives confirmed that the " Terms and Conditions '' fora my current account, XXXX XXXX, contains a provision similar to # XXXX but does not include a provision similar to # XXXX. 

I indicated that the elimination of a provision similar to # XXXX was not communicated to me around the XX/XX/2018 timeframe when I had several discussions with Chase representatives about the benefits of an upgrade to XXXX XXXX. Never did any of the Chase representatives indicate that I would no longer earn " XXXX XXXX  XXXX credit for each {$3000.00} in Purchases. '' The loss o this feature means that to date I have not earned some 3-4 XXXX XXXX credits, which if added to my XXXX Rewards account would aid me in accumulating enough Elite credits to enable me to reach XXXX XXXX   or XXXX XXXX status. 

Chase has been misleading in encouraging an upgrade, for an additional {$10.00}, with an ability to earn more points but eliminating the ability to earn XXXX  XXXX   credits. 

Today a Chase representative politely informed me that since it was 60 days beyond the date of the upgrade, " Chase had no ability to reverse the product change '' that was made. 

I am disappointed by this bait and switch tactic used by Chase and seemingly encouraged by XXXX.
This is a follow-up to an inquiry I made yesterday. I sent a complaint into the CFPB yesterday explaining that I have an account with   XXXX    XXXX   XXXX  who reporting me delinquent with the credit bureaus after my account went past due due to an auto-pay not getting set-up accurately online. I feel like their website had an error because I have a long history of on time payments never having a delinquency on my file. Further more they have my address information and email info, but never contacted me to give me a chance to pay prior to the account going 30 days past due. They did indicated they tried to call me but I could tell their call from a marketing solicitation since they never told me the reason for the call in the message.  <P/> When I contacted  XXXX  they told me they would investigate and get back to me. They did and told me there was nothing they can do and the delinquency would stand.  <P/>  XXXX  contacted me today to tell me that they have received the CFPB compliant and because of that a full account audit will be conducted. Why I 'm disappointed is that is what they said they were going to do to investigate if they can remove the delinquency. Only after the CFPB got involved it seems they will do the due diligence to give me full consideration.  <P/> I wanted you to have this additional information to consider and maybe even obtain the recordings of the conversations to see if you agree with their approach.
I leased a XXXX XXXX XXXX in CA in XXXX XXXX. My turn in date was XXXX XXXX. 
I turned it in at the Kia Dealer in XXXX XXXX, VA on XXXX XXXX, XXXX. They looked at the car said there would not be problems. They also explained that Kia sends a Company out to inspect the car and I would hear from them is there were problems. I got a letter from Kia dated XX/XX/XXXX stating that there was {$1000.00}. dollars in mis-use or excess Wear and Tear. I immediately called Kia. They sent me an e-mail with pictures of a scratch on a door and some bumper damage. There was also some dents from something falling on the car on the roof. I told them the car had no door scratch and no bumper damage and I did not know about the roof and that it was always parked out side so I would agree to pay for the roof damage but not the other damage. They said if I do not pay the entire amount by XX/XX/XXXX they  would report me to the credit bureau. I do not want this to happen. I can not even be sure this was my car. They should have inspected it in front of me. I had no door scratch and no bumper damage when I turned in the car. I think they are running some kind of scam, it could just be the inpection company because I am sure they are paid on what they bill. Please help me straighten this out. 
Thank you.
I enclose copies of my requests to the collection agency Portfolio Recovery Solutions asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to the three Credit bureaus. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here.
I have had XXXX list a debt on my credit report. XXXX and XXXX have both removed it off my credit report, however it has appeared back on my Experian report. This was a fraudulent account opened and I would like for it to be removed as it is harming me negatively. Experian also has these inquiries listed on my account that i never run and I would also like that removed as this is also harming me : XXXX, WA, XXXX ( XXXX ) XXXX XXXX, GA, XXXX ( XXXX ) XXXX, MA, XXXX ( XXXX ) XXXX XXXX, MN, XXXX ( XXXX ) XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX, WI, XXXX ( XXXX ) XXXX XXXX, MD, XXXX ( XXXX ) XXXX, CA, XXXX ( XXXX ) XXXX, OH, XXXX ( XXXX ) XXXX XXXXThese inquiries and false reporting on my experian report is harming me greatly because it has been proven by the rest of the credit bureaus and IRS that i have been a victim of Identity theft.
Costco has changed credit card providers, from XXXX XXXX to XXXX XXXX I do not wish to have a credit card from XXXX. I contacted Costco and informed them of this and was told they could do nothing. My only 'choices ' were to cancel the XXXX XXXX account prior to XXXX XXXX 2016 ( with a concurrent 'hit ' on my credit rating ), wait till XXXX XXXX 2016 and cancel the City card ( with a concurrent 'hit ' on my credit rating ) or resign from Costco, thus spending more money than normal for the items I purchase. First, I am not a 'chattel ' that can be bought and sold on a business basis. The attitude of Costco and XXXX may differ on this. Second, I can only be burdened with debt by my choice - not that of a business. Third, I will suffer a loss of creditworthiness if I take the XXXX cancellation options presented to me. I feel that I have the right to say " NO '' to the new card without any credit rating penalty. Respectfully request that you prevent the transfer of any accounts from occurring without the account holders permission. 

While not an XXXX XXXX service member, I am a XXXX service member
OneMain Financial ( Springleaf Financial ) Lender caused overdraft fee for XXXX dollars. I had auto pay setup for my loan account and paid it early. I paid it on the XXXX of XXXX. It stated online that nothing was due, indicting that the autopay would not take money from my account. Yet on the XXXX of XXXX, the money still came out of my account, causing me to pay an extra month early and a XXXX dollar overdraft fee. I called requesting that they refund the XXXX dollar overdraft fee and they would not. I also unenrolled out of auto pay for the loan.
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting twice XXXX XXXX acc. XXXX, XXXX
Loan was modified by Ocwen and taxes and insurance were to be escrowed. 

We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. 

We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. 

This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. 
I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.
I have come to the understanding that Syndicated Office Systems and Central Financial Control are one in the same. However, they are each on my credit score as seperate Company names, but with the same XXXX accounts and amounts for each. I will not pay the same bill twice through each company.
I have written to Transunion on several occasions requesting verifiable proof and original documents of my authenticated signature, having also provided them with federal fraud affidavits and proof of on-going theft regarding my identity. The item in question is the result of a merger of a former spouse 's credit report with my own. I am not the owner or co-borrower on her home. The account # is XXXXxxxx ( XXXX XXXX XXXX ).  XXXX and XXXX have promptly removed the item and were required to share this information with Transunion ( violation of FCRA XXXX Section D ). Transunion removed the item on XX/XX/XXXX and re-reported it on XX/XX/XXXX in violation of FCRA XXXX. I have written to them XXXX times requesting the " verifiable proof '' that they claim to have utilized, knowing that even XXXX XXXX XXXX does not possess a document with my authentic signature. They have not provided me with any of the documents that I've requested, a violation of FCRA XXXX. I wrote to them again on XX/XX/XXXX and they obviously employed the use of E-Oscar to verify the debt by sending a response on XX/XX/XXXX. They are not taking this matter serious, having continuously and egregiously violated FCRA XXXX, XXXX and XXXX. I began writing to them on XX/XX/2018 in hopes of having this resolved. I am now prepared to file suit and will be writing to notify them of such if there is no resolution within 15 days.
On credit report XXXX, XXXX, Experian states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after 36 months of paying debit for cell phone bills will not sell a XXXX down cell phone at 25 dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over 15, ooo dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since 1985 I do not use credit cards.
Navient is harassing by calling way too often - and with auto dialers. 

Navient will call around 10 times a day from various numbers - whether you pick up or ignore the call it's the same message or silence.
Equifax mishandled my personal information including my name, social security number, address, birthdate, driver 's license number, credit card numbers, and potentially more. A data breach occurred in XX/XX/XXXX but they did not notify me of the breach, instead directing me to another credit monitoring product at www.equifaxsecurity2017.com containing egregious terms of service language. The complimentary product they offer is only available for a year, which does not cover the period of time necessary to protect my social security number from fraud resulting from the breach. Equifax ultimately did not have the necessary security protocols in place to handle highly sensitive personal information of 143 million Americans, and they 're actions afterward are not in good faith.
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. City Park Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX XXXX not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.
I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who, this time it was an energy company. I ended up calling this company and obtaining information from them about the fraudulent account. It ended up that the fradulent account i had disputed with them before which was a XXXX account ended up having the same address on the account. I would absolutely like this off my credit report. I 'm trying to raise my score and this is nonsense. Also i believe at the time they 're was suppose to be a temporary 3 month fraud alert in place. I hope that there is something you all can do. Thanks a lot!
To Whom  It May Con cern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reque st one. Before, t his never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8100.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Both companies, XXXX and Experian, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a XXXX that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.