WillisBack/dataset-financial-user-claim huggingface dataset:
I FIle a dispute with Experian Credit Agency, as they have a Report from XXXX XXXX there. XXXX and I had a dispute for a car got into an accident which XXXX sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash. 
I disute with XXXX through XXXX and was at the middle of trying to negotiating, I did offer XXXX to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. XXXX Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO EXPERIAN THAT XXXX needs to delete everything from my credit report as they sold this account and Experian has not removed it. 

XXXX needs to remove it as it is ilegal to remove it also Thank you
Eleven years ago, I had XXXX XXXX which turn into a nightmare. XXXX. XXXX XXXX six month late. I lost my car, my job, my apartment and m y car was repossess. I turn it in.I sing documents. However, my credit report says that this lean was settle. But my credit is still showing. This is preventing me from getting a job. 
I presently lost the opportunity to get a job because this record from eleven years past was still on my credit report. There is not name of company to contact, no information. I ask a legal firm to help me, they assure me that without the proper information they can not help me. I need my credit clear so I can move on with my live. 
Page no. XXXX and XXXX are the one in question. 
XXXX XXXX
XXXX is on all XXXX credit reports. 
account unknown and unauthorized use of name I want them verify my account by showing original documents
XXXX/XXXX - {$790.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XX/XX/2016 please remove accounts from my credit report.
I opened a TD bank checking account and received a one time {$150.00} bonus last XXXX. Now it 's the time to file income tax. TD bank did n't send me a XXXX form. I contacted TD bank to request XXXX and they refused to issue me the XXXX form. Please help me.
Santander Bank repossessed my 2009 XXXX XXXX after I was unable to make payments due to job lost. The vehicle was sold. Now they are trying to collect the deficiency balance which they are stating are XXXX different balance XXXX amount is {$9500.00} and the other amount that they want is {$5600.00}. How are they able to do this they have taken the car sold it and now they want more money from me and I am still in finanacial ruins. Please help me sort through this as all my calls have amounted with dealing with Santander and a collection agency that has threatened me with ruining my credit, they stated that they will get a judgment against me and take all my money and leave me with nothing. Santander has gone on my Credit Reports and has changed the amounts on all three Credit Bureau Agencies from owing {$0.00} to {$9500.00} to {$5400.00} to {$5600.00} all in the month of XXXX. Something is very wrong and I want this to stop now.
I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this!
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX /   2017  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulatio n X-12 USC 2605 ( e ) ( 1 ) a nd the clients right to counsel.
On XX/XX/XXXX I noticed Specialized Loan Servicing LLC ( SLS ) that it was in violation of UCC 3-309 ( a ) and ( b ). On XX/XX/XXXX I sent a Notice of Error to SLS regarding said violation. On XX/XX/XXXX I sent a second follow up letter demanding that SLS prove-up its claim. XXXX has refused to acknowledge SLS 's violation of Maryland Code Commercial Law at 3-309 ( a ) and ( b ). SLS has had adequate notice that it is in violation of Maryland Code Commercial Law at 3-309 ( a ) and ( b ) and is therefore complicit in the fraudulent appointment of XXXX XXXX. XXXX, XXXX as alleged substitute trustee. SLS knew that pursuant to UCC 3-309 ( a ), XXXX XXXX XXXX XXXX   has no chain of title and no claim under the alleged deed of trust. SLS knew that it has an obligation to release the lien as it is without basis to enforce it. 
I have repeatedly noticed SLS and XXXX XXXX that Maryland Code Commercial Law states at 3-309 ( a ) A person not in possession of an instrument is entitled to enforce the instrument if ( i ) the person was in possession of the instrument and entitled to enforce it when loss of possession occurred ... NOT ONE of the banks in the alleged chain of title was in possession of the note when loss of possession occurred, thus none had power to enforce the note, and none had power to assign it! Each of the Lost Note Affidavits signed by the bankers states clearly that the bank never received the note. I have repeatedly advised SLS of these facts, and SLS has ignored me.

Pursuant to Maryland Code Commercial Law at 3-309 ( a ) all lost note Affidavits filed by XXXX XXXX XXXX, XXXX, and others, are false and void, as none of these institutions ever received said note, and therefore were not entitled to enforce said note. Therefore, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was without standing or authority to appoint XXXX XXXX XXXX XXXX, XXXX, as substitute trustee. SLS and XXXX XXXX. XXXX, XXXX, are without authority to foreclose. SLS has refused to acknowledge this fact, and has continued its fraudulent claim of authority to collect. 
Maryland Code Commercial Law 3-309 ( b ) and UCC 3-309 ( b ) required SLS and XXXX XXXX XXXX XXXX to prove that the note/security was in its possession at the time it was lost. 3-309 ( b ) states A person seeking enforcement of an instrument under subsection ( a ) must prove the terms of the instrument and the persons right to enforce the instrument. SLS has failed to prove up its/their right to enforce the note. 
XXXX XXXX XXXX XXXX  has failed to prove-up its claim against my property at XXXX XXXX XXXX, XXXX, Maryland. Specifically, SLS has failed to prove that it is in compliance with 3-309 ( a ) ; that it was in possession of the instrument and entitled to enforce it when loss of possession occurred ... and it has failed to prove up its claim as required pursuant to 3-309 ( b ) : A person seeking enforcement of an instrument under subsection ( a ) must prove ... the persons right to enforce the instrument. SLS 's continued attempts to collect {$290000.00} that is not owed to SLS or to XXXX XXXX show that it is willfully in violation of UCC 3-309 ( a ) and ( b ) and is actively engaged in mail fraud.
Midland Funding has been calling me dozens of times a day. They use spoofed phone numbers, with area codes from all over the country, so that it is impossible to block their calls. 

They've also obtained a private XXXX XXXX phone number of mine that they were not given permission to use.
My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
I received a letter from my homeowner 's insurance policy stating my insurance was being cancelled due to vacancy. The representative informed me that I was not her first call about the same situation from Selene Finance. I had to verify that I had not vacated the property by sending recent utility bills. I contract Selene Finance and spoke to someone in their insurance department. She was aware of the situation but offered no explanation or course of action going forward. After reinstating the insurance on my home, I then received a letter from Selene stating they were going to buy insurance for me if I did not show proof of insurance, which seemed absurd since they caused the situation.
XXXX XXXX XXXX XXXX Falsely reporting to my credit report {XXXX as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report XXXX as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {XXXX} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX - Falsely Reporting to my credit report XXXX} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX -Falsely reporting XXXX  XXXX. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {XXXX}. Requesting this be removed from my credit report. 

-XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting XXXX} to my credit report. I am requesting that this be removed immediately.
XX/XX//2017 I opened an account with paypal credit. It should have been paid off by now, but now they have it listed as a ridiculous amount that I did not do. I only started out with XXXX, now it is over 10,000.00.  That is ridiculous. There is no way I spent that much.
i ask the money source for instructions of pay of loan amount, the money source send instructions to new mortgage co. we paid the money source the amount they calculated and ask, then thth money source took money from escrow account and said that the apy of amount was short. we paid what they ask. the money source then send explanation account loan spread sheets which does not make sensse numbers do n't match. the money source gave wrong pay of amount, due that they forgot to deduct XXXX principal and taxes and insurance that they recieved. so that no means that the pay of amount was supposed to be less than what the money source original send to new mortgage co. and we paid. it was the money source fault they did the wrong calculations, and they penalized me.
As stated in full detail with my   XXXX   Complaint (  XXXX  ), I am requesting that Equifax do the same, remove all Negative Information that was submitted by  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX    XXXX  in  XXXX   XXXX .  XXXX  who claim they are collecting for  XXXX   XXXX   XXXX  ( closed ) located in  XXXX  Illinois and   XXXX     XXXX     XXXX  that 's closed also. The phone numbers that 's listed on my Credit Report :  XXXX   ( 24 hr. Tape Recorder  only  )  and  XXXX  is disconnected.
I've contacted PRA several times about an open collection account I have with the company. I have tried on several occasions to settle this debt, but the representatives will never put the settlement offer in writing until after I have already sent a payment.

I have even hired an attorney to deal with PRA, but they will not put anything in writing in regards to the settlement offer when corresponding with him either.
Took out a personal loan inXX/XX/XXXX this was to be a 60 month loan. On XX/XX/XXXX I went to the Lending Club payoff site to get a payoff quote. The quote was XXXX. I sent a text to the Lending Club this same day asking them not to process the auto pay due on the XX/XX/XXXX as I would be paying this debt in full on the XX/XX/XXXX. I could not pay it on the XX/XX/XXXXbecause it was XXXX XXXX and my bank was closed.So I made this payment on the the XX/XX/XXXX and was sent a thank you for your payment letter. After taking my payment then I was sent a letter stating that my payment was not the full payment. I then phoned The Lending Club to inquire about the discrepancy in payment resolution and was told that there website did not contain the correct quote as the Web site was assuming the auto payment. I felt intimidated in this conversation and offered to pay them in installments which they refused. I ended the call and decided to advice as I felt like I was being bullied into paying a debt that was not fair or owed by me. I was advised to request a dispute which I did and after a lot of haggling was told I would be granted. On XX/XX/XXXX was sent email stating they concluded that I still owed them $ XXXXthey have since increased it to {$490.00}
Dear : Consumer Financial Protection Bureau I am writing this complaint because this number has been constantly calling my home number and I have told these people they have the wrong number for the person they are calling about. Sometimes, they use a private number and when I try to call them with the number shown on my caller ID there is no answer. Please, contact these people about calling me for a matter that does n't concern me. This is a form of harassment and an invasion of my privacy rights. I have told this company that I am on t he Do Not Call Registry. Some one, said they are sending documents to my address and I do n't have a clue what they are talking about. I think this is a Scam!!!   THIS IS THE NUMBER THAT HAS BEEN CALLING MY HOME NUMBER :  XXXX   XXXX   XXXX   XXXX
On XX/XX/18, XXXX XXXX XXXX placed a debt on my credit report for XXXX for {$110.00}. This is not my debt. I have asked for identifying proof of my identification used to open this account and neither company has been able to provide that info. Therefore unable to prove its my account. I have never used XXXX because I have never owned a car because I can not drive.
This complaint is in reference to Popular Community bank 's {$120.00}. bonus checking account promotion now in effect. 

Here are the small print rules : http : XXXX Retirees get once a month direct deposit checks. 

Since it takes the Treasury /Social Security 10-12 days to set up a new electronic bridge to the bank ... it is simply impossible for retirees to have XXXX checks deposited into the new account within a strict 90 day window as specified by the bank. 

The third direct deposit would always exceed the 90 day window-so the customer would forfeit their $ XXXX. The bank might as well have advertised people who do n't work ( earn weekly or bi-monthly paychecks ) need not apply. The XXXX checks within 90 days rule blatantly discriminates against the elderly, the XXXX and others who receive once a month income.
on or around XX/XX/2018 I received an offer for reamortization. In the offer it stated my new payment would be {$1000.00} a month, which included principal, interest, taxes/insurance. {$710.00} P & I and {$340.00} taxes and insurance. I was instructed to mail along with notarize affidavit. But instead they took my check and put me into default. The payment is in " escrow '' with a statement of default date XX/XX/2018. The XXXX bill which was paid before this agreement was for {$1100.00}. where the interest had already increased to 3.50 % Now there saying the payment is {$1100.00} with principal only XXXX, interest {$490.00} and XXXX tax and insurance?? they claim it went up in XXXX? yet they sent this agreement written on XX/XX/XXXX. which is when interest went to 3.50 % the interest went from XXXX in XXXX went to XXXX in XXXX.. 
It appears the amount towards my principal keeps going down but the amount of interest going up. In XXXX my principal being paid was XXXX being paid, now its XXXX???? so theres is no savings. They received and extra XXXX or so in the last 6 years from my Hamp modification. So I noticed I forgot to add XXXX cents to my payment submitted with agreement. Yet it was approved but with a different amount due? the XXXX statement showed XXXX for Escrow but the agreement stated XXXX, They made a mistake but now have me in default through no fault of mine. Instead of modifying the reamortization, they put my payment in suspense and sent my a late fee and past due amount of the full {$1100.00}. in reality my principal payment went down XXXX dollars so where is the savings? it went down about XXXX dollars. So there is no savings they just lowered the amount of my principal payment so this made no sense. I m just paying less principal. With the extra XXXX I would think the interest would have gone down. The new payment should have been, {$1100.00}, with the new so called saving of {$1100.00} but there is not savings, I'm just paying less towards my principal. Makes no sense. I call to have them apply my payment but there reluctant to do so.
The Department of Veterans Affairs, and/or one of their agents stole my XXXX XXXX compensation check. I noticed on XX/XX/XXXX I did not receive the check. I call their XXXX number to find out where it was. The agent said it went to the wrong bank. I waited a few days and called back. They said the second time I called that it was returned ( on XX/XX/XXXX ) I asked when I would receive the check they did n't seem to know the status. So I again I waited and called again. The third time I called they made up a story about some alleged debt, and were n't sure what happened to the check. In the past, they have always mailed a check if it was returned, but this time the check seemed to be returned and then it disappeared out of thin air. I believe either the agent or agency has committed fraud. It has been 22 days since the check was returned to them and they still have not mailed it out to me. I have all of the documentation stating it was deposited, returned, and as of right now they are not showing any status of a payment for the month of XXXX. I believe they may have stole my identity with my social security number and birthday, and name. The amount of the lost check was {$830.00}.
An account was placed under my name erroneously. Since then,  TD BAN K  USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file
These accounts have not provided proof and either was removed or re-inserted without notifying me.

Portfolio Recovery was an account that was removed on XXXX2017 from XXXX but both XXXX  and XXXX have not removed the account, although the creditor failed to provide proof.

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. XXXX XXXX  was an account that was deleted XXXX2017 by XXXX XXXX  account but re-inserted without notifying me or proof.
Contacted Equifax back in XX/XX/2018 with reference the XXXX XXXX XXXX XXXX to investiagte the accolunts that have inaccurate information on the payment history. This is a paid colllection but yet reports as unknown on pay status? When XXXX  reports it as paid. How can it be different? I received a letter, but nothing was changed. I've waited to see for any changes but still is the same. 

The other concern is on XXXX collection account. Also it is a paid collection but shows unknown in the pay status and also show I failed to pay on a collection? Yet XXXX reports it as paid.
CALIFORNIA BUSINESS BUREAU : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Original Creditor is " Medical Payment Data '' I do not have any Medical Collections Accounts of any kind. This information is erroneous and it is being maliciously reported by California Business Bureau
Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}. 
Money has not been received, and I do not want to wait any longer for this money.Thank you.
My legal name was not documented or mistakenly written. Instead of XXXX XXXX, they have it as XXXX XXXX XXXX. Basically, I do not have a middle initial