WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Experian on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Experian is complicit in allowing this. Each time I ask Experian to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX 3 ) XXXX XXXX Bank ( 4 ) XXXX XXXX It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Since XX/XX/XXXX had a Credit Card with Wells Fargo. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into Wells Fargo Collections XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I  was late on my payments, so then Wells Fargo closed the card and the account. I then continued to receive calls from the Wells Fargo collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.
Traditional IRA was opened for my minor son. I was supposed to be on the account as well for maintenance purposes but the bank did not place me on the account. Now they will not give me, the biological parent, any information regarding the account or let me put money into the account. They state that I need to obtain guardiaship of my son and provide proof. My minor son is the only person on the account.
I applied for a card about XX/XX/XXXX on line for a Lowes credit card. I gave my physical address and a Post Office box. I did not hear anything from them. They probably sent everything to the physical address and I do not receive mail there. I applied again using the Post Office physical address and they denied because of a previous application. They now can find no information on me.
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge
XX/XX/XXXX : Purchased XXXX  Gift Card ( {$500.00} ) at XXXX in XXXX CA ( next to XXXX ). Had trouble activating the card, but was going to New York for the weekend, so decided to wait. 
XX/XX/XXXX : Came back from NY and went back to XXXX ( where I purchased gift card ) to sort out problem. Was told to call customer service on the back of the card, which I did. Called in to activate card at around XXXX. When I got home and logged in to check my card balance, I found that my card has been fraudulently used at a XXXX in XXXX XXXX, to the amount of {$490.00}. Called into fraud department for the gift card issuer and was told to fill out dispute form that they will MAIL to me. 
XX/XX/XXXX : called in to fraud department to ask them to change the mail address from my XXXX California address ( parent 's house ) to my XXXX  address, so I don't waste time. 
XX/XX/XXXX : called in to fraud department and confirmed that the dispute letter was sent on the XX/XX/XXXX, so it was just a matter of waiting. 
XX/XX/XXXX : Parents call me to let me know that they received the mail ( so the mailing address was not changed ... ) and that they will be mailing me the letter XX/XX/XXXX : got the letter and faxed in the filled out form. 
XX/XX/XXXX : called in again to confirm that they have received my fax ( filled out dispute form and any other documents that I provided, such as receipt ) XX/XX/XXXX : filed my complaint with CFPB because many online have said they are notoriously slow with responding, and with the help of CFPB, maybe things will be better.
XXXX and XXXX, the current owners of the property known as XXXX, NY XXXX ( " property '' ) hired our firm to represent them in the sale of their house. On or about XX/XX/1984, two mortgages granted by XXXX and XXXX were satisfied following the sale of the property. The property has been sold twice more since XX/XX/1984 and each time a request for satisfactions of mortgage has been attempted to be filed by Citibank and each time, because the seller did not have the XXXX account number nor their authorization to discuss the loan, Citibank would not progress the call to the lien release department, stating that they can not discuss the account. As the account has been satisfied over 20 years ago, our office is not asking for the borrower 's information on any information on the loan but merely asking that satisfactions be filed in the XXXX office as the mortgages granted by the XXXX still show as being " open '' ( see attached lien search ) and the sellers can not sell their house without satisfactions being filed or payoffs to be provided to the title company. As the XXXX can not located prior owners three times removed, they are stuck as the title companies that insured the transactions are no longer in business and they can not locate the owners title policy from when their parents bought the property.
I have reviewed my credit reports with a lawyer. He has informed me that Equifax is reporting to accounts illegally. They are not reporting the debt collector or creditors name. This renders the accounts non-verifiable and not accurate. A violation of Federal law. They have been written several times and have done nothing about this
I am currently trying to clean up my credit report. Unfortunately, I had an account with XXXX XXXX XXXX that went into collections several years ago. I have tried to call XXXX to pay the collection balance that is owed, but they refuse to allow me to do so. They will not take a payment from me. At the same time, they will not take this account off of my credit report or allow it to update that I no longer have an owed balance. By refusing to either remove this item from my credit report, nor take a payment to resolve the debt, they are holding my credit profile hostage.
I received a Visa Platinum Card in the mail today. I did not apply for the card and there is no indication of an application number. Regardless, I did not apply for or want this or any card from First National Bank. A scan of the letter ( with card ) is attached ( XXXX XXXX - First National Bank.pdf ). It appears that XXXX XXXX XXXX XX/XX/2018 may be the source of the application.
I am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.
This mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage Services. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. Carrington has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
I had an checking and saving account with Huntington Bank. I noticed charges were made on my account that I did not authorize. I called twice to cancel my card, change my address and submit a dispute of unauthorized charges. I was told both times it was taken care of and it was not. I then had to go in a branch to finally get it taken care of. I was denied on my despute of the unauthorized charges because they said I had my card on hand. Of course I did but that did n't mean my card number was not stolen and someone was using it. A month or so prior I also called and asked to cancel all of my checks because they were stolen and unauthorized charges were on my account as well. The repersentive I talked to only canceled certain check numbers which is not what I asked. When I went on my account and looked through the history of my account there was checks written and the money was taken out of my account. I was denied by Huntington because they said I never called to cancel my check books, which I did as well as denied numerious charges I never made because I had my card on hand. Someone got my card number and made charges I did not authorize as well as my checks that were supposed to be cancelled. This was months of disputes, a lot of money stolen from me and the account remains closed with me owing over draft fees.
I have asked my mortgage servicer to remove the escrow reserve on my account and re-analyze with no reserve/cushion. They refused initially and have since said they " are researching ''. I have the option to keep a reserve or not. If I choose not to have a reserve, I bear the responsibility of absorbing larger changes in escrow elements from year to year, which I am willing to do. RESPA only allows for up to XXXX months, and my state allows for the same, but neither requires a reserve as part of my escrow account.
Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX
i received a voicemail message from a XXXX XXXX XXXX from Coastline and Associates/Prodigy Portfolio Management stating that unless I returned her call and set up a payment plan on a credit card debt from XX/XX/XXXX or XX/XX/XXXX that they would take legal action. At the time i was on pain medication, having XXXX the previous day and was frightened enough by her to agree to a payment arrangement. Needless to say, I have no recollection of that conversation. When I called to ask why they had debited {$50.00} from my checking account she said i agreed to it and the call had been recorded. I 'm sure anyone listening to the call could tell i was under the influence of XXXX. She became extremely belligerent, threatening to sue me - what a laugh, i 'm XXXX and own no property. The more research i have done on these companies they seem to be a scam.
these XXXX have been calling our phone # for over 2 years for some woman named " XXXX XXXX '' not anyone to do w/us, not us, and they refuse to go away and say you are lying they are attorneys sometimes they say they are the police, and they know " where you live. '' They are absolute XXXX. Sick and tired of them calling, threatening. You can not get rid of them, they are garbage that should be in prison.
im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place!
I am a victim of Identity theft and someone stole my personal information and identity to open a Capital One Bank credit card ending in: XXXX. I never applied for a Capital One Bank credit card. The account that was opened with my stolen identity is unauthorized, fraudulent and do not belong to me.
i try to pay XXXX for this and they refuse, i dont old that much, and they never toll me i can dispute this charges.
I filed a dispute with Equifax back in XXXX XXXX. Regarding the misinformation XXXX XXXX is reporting on my credit report. I also sent proof to Equifax that my XXXX XXXX account went into payment default back in XXXX XXXX never regaining a current status. Until the account chargedoff in XXXX XXXX. The account has now passed its 7 year mark and needs to be deleted. XXXX XXXX XXXX is reporting that a payment was made in XXXX XXXX after the chargeoff date. I sent Equifax proof from XXXX XXXX, that payment was a refund check sent from the dealer. Not the account holder as they are reporting. Equifax has failed to investigate this matter accurately. Even after sending them proof of the inaccurate information being reported.
To Whom It May Concern : REF : Violation of the FCRAI have received denial notice 's from different business informing me of their decision was based in whole or in part on information obtained from Certegy Check Services , Inc. XXXX. XXXX XXXX, XXXX, FL XXXX toll free at XXXX Who provides authentication and risk management services to merchants and businesses nationwide '' .I have sent a previous letter to Certegy, by mail, and spoken to customer service representatives over the phone requesting that I would like to file a dispute on the information that they have on file and Certegy have XXXX to do so more then year. According, to Certegy employee XXXX ( Floor Leader ) have given me inaccurate, misleading information different from other Certegy employee XXXX ( Floor Leader ), XXXX, and Al who both are customer service representative, stated to me that Certegy did not do a investigation of my dispute, when I made demand for one, and offer to do a investigation now after more then a year went by. XXXX ( Floor Leader ) informed me that there was a investigation done on XXXX XXXX 2014 and respond from, the ( XXXX ) to denies my claim on XXXX XXXX, 2014 that I did not complain about the product they gave me was misleading and I did n't wanted the product and they can not confirmed any calls, and conversations. XXXX ( Floor Leader ) demand that I pay the debt and debate against me of filing a complaint against ( XXXX ) to return the money back to Certegy, and repeatedly apologize for the others employees given misleading information on my account. Certegy, who did not notify me of ( XXXX ) respond and violated the Fair Credit Reporting Act by ignoring my requests to investigate the items according to XXXX others employee. My previous letter and phone calls -- all stated my reasons for an investigation and these reasons were not frivolous in any way. If I have to, I will file a civil suit in for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I also ask that there be investigation and that CFPB monitor this company practices. 

I anticipate your response.
On XXXX XXXX, 2015 at XXXX, I received a call from a gentleman who said he represented The Revenue Group. He said he mailed a letter to me in XXXX and that I did not respond. I asked him to please re-send the letter as I never received it. He refused. He said he 'd tell his client that I was unresponsive. I told him that was not correct, and I asked for the letter to explain any debt he was trying to collect. He hung up. I am not aware of ANY debt I owe that would end up in collections.
I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As astra leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. 
On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. 
I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds
I have a Discover credit card ( ending in XXXX ). In this card, I have {$25.00} available credit. Over a week ago I called Discover credit card customer service to request credit refund via ACH Transfer to my external bank account. However, it has been more than a week but I have NOT received the refund in my external bank account yet. I call Discover customer service for quite a few times, but never got resolved in this issue yet.

I request Discover to immediately refund me the {$25.00} available credit via ACH Transfer to my external bank account.
I send my husband to get home and the money gram agent said it was picked and my husband told me it has a freeze on the money I need to know what to do
Phoenix Financial XXXX called me Saturday night at XXXX about a debt that was already paid regarding XXXX XXXX XXXX XXXX. I informed them that I paid the remaining portion after insurance and they asked for a receipt. I told them I would send one to them. The next day I found this debt on my XXXX credit report. They reported it before even receiving my receipt.
I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.
I had tried multiple times to apply for a Chase account. I was declined by  XXXX   XXXX  Systems, I then requested my credit report and found no derogatory items. I went back to the bank after several attempts to solve the issue I was unable to get the account. I applied for a report from  XXXX   XXXX   XXXX  and I am awaiting the response.
Standander is stating i have a debt with them, regarding an auto loan.  I know they have the wrong person.  This is a family members debt with the same name has me.  This has happen a lot, and I tired to file a fraud paperwork but because the family member has taken out the debt and had it repo.  I don't have a lot of options.  When I call in to customer service, I give them my social and they can't pull up the debt.  I'm not sure what to do, but this had landed on my credit and I can't get an auto, or house loan, or any type of credit.
I received an audit statement from my mortgage company that my escrow account was going to be raised by {$200.00}. Then on XXXX XXXX, 2017 my mortgage company took thru an ACH transaction {$950.00} instead of the additional {$200.00} that was noted on my statement. I received no notice of that they were going to do this. When I spoke to them ( Ditech ) the response was that the escrow was short {$400.00} and that they would not be reversing the extra money.