WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX TransUnion, and XXXX keeps adding information to my credit report that is false, been deleted or not mine.
On XX/XX/XXXX, we went to court as the company who purchased my debt ( XXXX XXXX ) obtained legal respresentation ( Blitt & Gaines ). I, did not have an attorney representing me. The attorney for Blitt & Gaines had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The Blitt & Gaines attorney stated the the debt was valid because I signed for the credit card. 

In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. 

In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. 

My wage garnishment were 25 % for the total {$1900.00}. 

On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called Blitt & Gaines they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. 

Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
Phoenix financial services has been in constant contact with me accusing me of owing a debt to them and their client. I have disputed the account stating I have no knowledge of debt they claim is owed. I hav e asked for written validation from this company and have not received anything with my original signature or a contract stating that I am the person obligated to pay debt. Company claims that they have " confirmed " debt with its client, but has not provided documentation. How was this debt validated? Where is the signature? Where is the documents? This company claims they will report to credit bureaus but this is against the law because I have not received proof of accounts. I am not or never have been associated with the telephone number listed on this letter and this company has violated my rights by being in possession of medical diagnosis codes! I have been informed by my attorney that this is illegal and against the law. If this company proceeds to report these accounts without validation I will proceed to file suit
Supposedly I owed {$2.00}. But the company is trying to collect {$150.00}.
Last year CCO mortgage who holds a XXXX on my house of less than XXXX on a house valued well over XXXX, purchased flood insurance at {$600.00} a month and charged it to my account. I already had flood insurance at {$300.00} a year and yet they refused to refund the {$600.00} to my account. Those actions make them fraudulent and unethical in my opinion and those are the exact words I put on all my bills that I pay for. Last month they decided to start harassing me by placing me on a " courtesy call '' list. My credit is well north of XXXX and I have never had a late payment to them or to any other institution. Despite this fact I am receiving daily phone calls that begin on the XXXX of each month for a bill that is due on the XXXX but not late until the XXXX. The ONLY reason for them to do this is to harass me. I have told them to stop and yet they still continue to do so. What are my rights and who can protect me from this unwarranted harassment?
On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.
XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information
I paid via HSBC wire transfer on XXXX,2015 for a trip to XXXX to a bank in XXXX XXXX advised that this would take XXXX business days. On XXXX XXXX 2015 I was notified by the tour company that they had not received the funds. I called XXXX at HSBC bank. She was unable to tell me what the delay was. I told her that because we were about to leave for XXXX, I needed to ensure our trip in XXXX was paid for before I left the XXXX & to cancel the wire transfer on XXXX XXXX 2015 & I would pay by credit card - which I did. When I returned from overseas on XXXX XXXX, 2015 & turned my phone on, there were XXXX messages from HSBC asking me to call them. I did so on XXXX XXXX and was told by XXXX that HSBC 's security department put a hold on the wire transfer because I was supposedly sending money to XXXX. Apparently they had not cancelled the wire transfer as instructed on XXXX XXXX 2015. They advised they would cancel the wire transfer immediately. I was then called by XXXX at HSBC some hours later to advise that I would be responsible for the difference in the exchange rate as the XXXX dollar had fallen against the XXXX in the ensuing XXXX weeks. I said I was not responsible for the delay and that I should not have to pay for HSBC 's tardy service. I enquired as to the amount we were discussing and XXXX was unable to tell me but insisted on my giving her an acceptance response on the spot. I said I refused to accept the costs as the delay was not of my making but was because HSBC had delayed in my instruction on XXXX XXXX 2015 to cancel the wire transfer. I asked her to call me back on Tuesday XXXX XXXX 2015 with an estimate of the costs involved. She did not. I called HSBC Premier department at XXXX and asked why I had not been called by XXXX and given an estimate of the costs involved. I was informed that she was not available. 
XXXX of HSBC then called me at XXXX today ( XXXX XXXX 2015 ) and advised that due to the current exchange rate, cancellation of the wire transfer would cost me an estimated $ XXXX. This is 10 % of our trip costs. I said this was unacceptable as the whole reason the wire exchange needed to be cancelled was that HSBC had placed a hold on the transfer because they believed I was sending money to XXXX. 
My complaint was then transferred to XXXX of HBSC who advised me that on XXXX XXXX 2015 HSBC would have transferred the money and the accepting bank in XXXX was the reason for he delay. I asked him how could that be since on XXXX XXXX 2015 I was being advised that HSBC had placed a hold on the wire transfer due to the XXXX concerns, and that I still needed to cancel the wire transfer. This is totally unacceptable. HSBC then said they did not have a way to refund the {$220.00} to me as it was their 'Policy '. XXXX also said there was no way for me to make a more formal complaint. I enquired about a Banking Ombudsman and XXXX did not even know what an Ombudsman was. XXXX told me he would record my complaint for statistical reasons and to improve customer service. So I went on line and found this address and am making this complaint.
I dispute XXXX XXXX XXXX, XXXX which is XXXX the original creditor on XX/XX/2018. XXXX XXXX responded on the dispute stating they CLOSED the account with {$0.00} balance and also they requested that the credit reporting agencies to delete the XXXX, XXXX  tradeline from my account from the credit bureau report. I checked my credit report XXXX  and XXXX  removed it from my credit report but Experian did NOT removed it. So I contacted Experian to removed it from my credit but they refused to removed it they said the account is under XXXX  not XXXX, XXXX. But when I dispute it through Experian, XXXX, XXXX was the one that responded not XXXX
I have a secured credit card via XXXX from XXXX XXXX XXXX XXXX. I have had this card for over a year, missed no payments and have been an excellent account holder. They did not allow me to transition my secured credit card to an unsecured credit card as the terms and conditions stated. I surpassed 6 months of timely and responsible account handling quite a while ago. I should mention my US Bank secured card ( also part of XXXX XXXX XXXX ) did transition me to an unsecured card several months ago. There should be consistency among branches of the same bank ( XXXX ) and they should uphold their terms promised by XXXX when a customer opens a secured card.
Hello CFPB, I 'm writing today to report issues with   XXXX   accounts negatively reporting on my transunion and  XXXX  credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company  's I s ubmitted investigation request to were    XXXX    and Transunion.     For accounts being reported by  XXXX   XXXX   XXXX  and   XXXX   XXXX   XXXX .      The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I hav e 11 miss ed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.
I recently filed a complaint with the XXXX on XX/XX/2018 in regards to Caliber homes reporting inaccurate information on my XXXX credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. Caliber home loans say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.
unknown account on my credit report from XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX
My employer submitted a background check to XXXX XXXX   XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, IN XXXX ). I received a copy of my results, which included a criminal file for a court case that would have taken place when I was XXXX years old in a county I have never held residence. On XX/XX/2018 I contacted First Advantage consumer disclosure center at XXXX to discuss the issue. They could not locate any information related to my name, ssn and stated that they could not help me. I have also attempted to search the criminal records for the county that is listed on the background check, but have not been  able to locate any criminal records based on the information provided on the background check.
I took out a loan with this company, Mariner finance. Shortly after my student loans kicked in and I was n't able to afford the payments for this loan. I contacted a debt relief company to help me manage my loans I had and get them paid off. Mariner would not work with them not even talk to them. They filed a judgement against me. I contacted the branch and was told to send my paystub and their lawyers would review it and my current debts to establish an acceptable payment. I did n't hear from the branch for weeks and I kept calling for the same representative. Now they have put a bank levy on my account and I have no access to my bank at all and I ca n't get a hold of the person who told me to send my paystub for review as I was trying to make arrangements I could afford.
The statue of limitation has run out on XXXX accounts under my report with Equifax. Both accounts were opened in XX/XX/XXXX. Equifax is refusing to delete them even though I have not paid any $ on this account since XX/XX/XXXX. Equifax is saying the XXXX years starts over once I disputed both accounts. I just disputed accounts in XX/XX/XXXX. Equifax states that the XXXX years begins from XX/XX/XXXX.
" " '' I have disputed this Charge Off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I was late past due 60 days then paid. This is a formal notice that your erroneous claim is now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Flagstar Bank purchased my mortgage from my previous company. I did not ask them to purchase it - they purchased it without my knowledge. On XX/XX/2018, I received a letter from Flagstar Bank stating that property in the Special Flood Hazard Area ( SFHA ) as shown on maps published by the Federal Emergency Management Agency ( FEMA ) are required to have flood insurance. They then claimed that my property was in that category. They are incorrect because FEMA has issued a Letter of Map Amendment ( LOMA ) that can be found online, that specifically excludes my property from the SFHA. If Flagstar bank had typed my address into the FEMA database and read the LOMAs issued for our area they could have figured it out themselves. More importantly, the mortgage company that previously owned my loan did not require it because it isn't required. Flagstar should have asked that previous mortgage company. It isn't my job to educate them. After I received that XX/XX/XXXX letter, I called the number listed in XXXX and sent the insurance department the LOMA. Flagstar sent a 2nd letter on XX/XX/XXXX. I called their insurance department again in XXXX and resent the documents. Flagstar sent a 3rd letter dated XX/XX/XXXX and now say I have to pay {$2300.00} for flood insurance that I DON'T NEED and ISN'T REQUIRED. I have uploaded all the documents to them as requested today XX/XX/XXXX. Please help!
MY NAME IS! XXXX XXXX, MY DEBIT CARD NUMBER XXXX XXXX XXXX XXXX, VALID THRU:XXXX, CAN YOU CHECK MY SSI PAYMENTS TO MY CARD! XXXX thru the XX/XX/XXXX in the amount of {$760.00}! ssi number:XXXX,XX/XX/XXXX, Address:XXXX XXXX XXXX XXXX, XXXX, La XXXX! Phone Number:XXXX
There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted equifax, XXXX and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Credit Card Account Number:XXXX Equifax XXXX Credit Card Account Number:XXXX
Ocwen as the servicer and/or acting on behalf of the investor or any other entity DO NOT have documents for enforceable interest as stated under the National Settlement Consent Order. Therefore, I 'm requesting a Mortgage lien release on the property immediately and a refund for all 182 monthly principal and interest relating to the loan from XXXX XXXX through XXXX XXXX and all items need to be omitted from our credit report because they are not factual a ) Please provide a complete pay history for the life of the loan. 
b ) I 'm in receipt of your recent Annual Escrow Account and would like a detailed explanation of the various charges. A copy of the same is attached hereto. Specifically I 'm inquirying about the specific fees and charges : - {$1900.00} for Projected ending Balance and " $ XXXX for " Actual Ending Balance '' Please explain this amount What portion is attributed to taxes and insurance etc? 
Is there a force placed policy on my account? If so please provide a copy of the forced place insurance policy and any and all notices you sent me prior to force placing insurance policy on the property. 
{$3400.00} in the Mortgage/Hazard insurance What type of mortgage insurance is this for? 
Please provide a copy of the mortgage /Hazard insurance policy Please provide a copy of the title insurance I was charged for Please provide a copy of tax and title certificate that I was charged for Interest rate Explain how the interest rate was calculated Maturity date Please Explain how the Maturity date was calculated Please provided Loan Report.
On XX/XX/XXXX I received a call from a Pennsylvania number XXXX looking for my husband in regards to a Civil Matter as the woman stated. I let the woman know that I was his wife and asked what a Civil Matter was and she responded with " He can be taken to court for it ''. I asked her if this had anything to do with his Bankruptcy that he filed back in XXXX and she said no and that she could not tell me what it was in regards to, just that it was a civil matter. I then text my husband with the woman 's number frantically asking that he call this woman back. My husband then told me that the woman was calling about a Citibank Credit Card from XXXX and that the balance was {$5900.00}. My husband attempted to let her know that he had filed a Chapter XXXX Bankruptcy in XXXX and that it was discharged in XXXX and the woman proceeded to tell him that she was going to send the paperwork to our local jurisdiction, take him to court, garnish his wages and report this to his credit report. She told him that his bankruptcy did not matter. My husband then called me very upset and I let him know to call her back and let her know that even if we did not know about this debt back when the bankruptcy was filed, that because his bankruptcy was discharged, this debt would have been automatically included as it was incurred BEFORE the bankruptcy was filed. My husband called the woman back who stated that she did not know who we were getting our information from and again stated that she was going to take us to court and garnish his wages and that this was an OPEN loan already on his credit and is not part of the bankruptcy and then told my husband to have a nice day and HUNG UP.
Penn Credit, woman calling said her name was " XXXX ''. 
The number has called my office phone 4-5 times daily, often after XXXX for the past 6 months. 
They asked for a name that has never worked at the company. Then asked for another random name after stammering at my questioning for the abusive calls. 

When further pressed for information about the calls " XXXX '' claimed she was a friend and needed to discuss personal matters. 

I said, you know its illegal to collect a debt at someone's place of business as well as repeated calls. She insisted it was just a personal matter she had to discuss. 

These people are egregious liars with countless complaints about their tactics online. 

Put an end these filthy useless scumbags. 

Thank you.
In XXXX, I was overseas, and was not allowed access to m account since I had missed a payment. I HAD to make a payment. In XXXX and some of XXXX, after my motorcycle accident, I was only able to live off my XXXX PENSION FROM THE GOVERNMENT, ( which Navy Federal Credit Union is taking still, even though it is exempt, this shows up as XXXX XXXX on my deposits ) they still were restricting access unless I made a payment. While recovering from the accident, XXXX of my XXXX check were going to XXXX XXXX, and I was left to use roughly {$100.00} I had left to work with for the month. In other words, they made me pay them with the XXXX check I was getting just so I could have access to my account. https : XXXX I then learned it was always illegal for Navy Federal credit union to restrict access. I have since had phone calls with Navy Federal concerning getting compensated, as I feel I am owed. For some reason, they can never seem to know or remember what I am referring to. They said they would look into my issue over a year ago on the phone, and I have never heard anything back.