WillisBack/dataset-financial-user-claim huggingface dataset:
I just noticed an unfamiliar company on my credit report, with a note that said " account is disputed by consumer ''. I never even heard of the company, how could I dispute it? I learned from my attorney, who I hired to help clean up an identity theft, that creditors will park an account and list it as disputed so the CRA wo n't reinvestigate -- they are tricked into thinking I put in a frivolous dispute. So it remains. I contacted the creditor, and found it to be a mortgage firm that foreclosed on my house, and STILL parked an account for the original balance and payments under a new company name. It 's listed as OPEN, with the last payment of XX/XX/2006. So, I am nowhere with my dispute, and my letters are being ignored. I have turned over my case to an attorney. There is never just one cockroach. If I go to my local public records, I expect to find more cases like mine. There was never any attempt to sue or collect, just that account that says OPEN. It hurt my credit score, and caused me to lose credit opportunities on a continuing basis.
I have multiple dispute issues with Experian, XXXX and XXXX  that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been  verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/2017 while XXXX  shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : Experian and XXXX $ XXXX/XXXX {$150.00} Status : Experian : 30 days late/XXXX ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
I would like to address this to XXXX XXXX - the bank currently in charge of the XXXX XXXX store credit card. To date, in XX/XX/XXXX alone I have been charged {$54.00} in late fees and {$10.00} in interest. To explain, I set up this account in XX/XX/XXXX and was making monthly payments. Then I set up automatic payments through my XXXX Checking account. This was an option available on the XXXX XXXX website. I have used automatic payments for my XXXX XXXX in the past and my XXXX Checking account successfully. However, when connected with XXXX XXXX somehow my payments failed to go through and a late fee was automatically charged. A reminder to pay my account was sent only after a late fee had been charged. Then, on XX/XX/XXXX they contacted my father regarding these payments, giving him authorization to my personal financial information. ( Something I do not have an issue with ) However, what I did find an issue with is when he attempted to a ) make any payment toward the account or b ) pay the account balance entirely and close the account he was not given authorization.
I have filed a dispute via phone to Transunion to correct this information so it can accurately reflect on my credit report. 

I received a copy of my credit report and I am disputing some items that need to be corrected. The following 3 accounts WERE NOT DISCHARGED in my Chapter XXXX bankruptcy. Please add these accounts back to my credit report. Please correct the balances (the balances are NOT XXXX). Please correct the date closed (these accounts are still open). Please remove the remarks (accounts were not discharged in Chapter XXXX bankruptcy). 

#1: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX
 
#2: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX 

#3: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date ClosedXXXX XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX

These are federal student loans debts that WERE NOT discharged in my Chapter XXXX bankruptcy. My bankruptcy was discharged in XXXX. Until last week  the above accounts were reflecting correctly (correct balances and open accounts and not discharged) . Due to the actions of Transunion of inaccurately closing these accounts my credit score dropped 80 points.
Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored.
see attachment. 

They still have not provided the support documents to verify the debts. No physical support documents. The information needs to be deleted. 
I have been waiting for months now.
OPTIMUM OUTCOMES, INC/XXXX  XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX   Tel:XXXX CEASE AND DESIST is cancelled and I need immediate answer to the derogatory report of medical report on my credit. Optimum Claimed XXXX XXXX XXXX is a medical center. 
I am requesting for my signatures on the four medical bills you said I owed the XXXX XXXX XXXX. If you don't have any itemize bills and signatures, you need to remove the derogatory reports you posed on the XXXX, XXXX  and XXXX. 

You have denied to speak to me or send information to me. Now you can talk to me. 

I never received any documentation before you posted derogatory reports on my credit reports.
I I have paid agreed the credit collection agency has not lived up to the promised by  XXXX ,  XXXX  and  XXXX , removing it from my credit report they said they would notify the credit bureaus   XXXX   XXXX   and   XXXX   to have it removed from my credit report they have not done so
I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report onXX/XX/XXXX  and listed as fully discharged on TU XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. TU is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
XXXX report # XXXX for XX/XX/18 and trans union file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.
On XX/XX/2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX XXXX XXXX. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX   XXXX ), apologized for this beahvior and the best I know 4 inquiries were removed, but Wells Fargo, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from XXXX and any other credit companies they may appear with.
The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information.
I, like so many people, have had problems with FedLoan Servicing. They sent notifications that payments were sue to an email address I do not have access to, and made no other effort to contact me saying I was missing payments until sending a letter in the mail saying if I did not make a very large payment, my loan would default. I called an explained to a representative that I had not been notified that I needed to make payments which is when I learned they were sending notices to the wrong email address. The representative told me that she would fix it so it did not look like I missed these payments, but it still shows up on my credit report that I have several missed payments, and now my credit has greatly suffered.
I 've repeatedly asked them to make the orignal MPNs for my loans available and they refuse.     The section on the website that should have them remains blank. I 've repeatedly disputed their timelines and fees but they completely ignore all complaints. The section of the website that shows correspondence is completely blank and there is no way to prove that you contacted them.     After complaining t o the Federal Ombudsman 's office they 've sent some MPNs that are clearly not the original and do not have valid signatures on  them. I want them to provide actual proof, and if they claim that it was signed electronically I want them to provide proof that they complied with the standards for electronic signatures in electronic student loan transactions released in  XXXX   of 2001 by the Department of Education. Again, I want them to prove that they met the requirements of the standards. I 've asked them repeatedly to prove the origin of the loan as they are not the original servicer. They have not responded to any request for years.      They also have n't provided me with my repayment options as required by law at the end of grace periods resulting from deferments, they 've also misclassified deferments as forebearances. They do not provide information required by law, they skirt around the requirements, and they put fines and random charges on the loans whenever they want.
In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. 

The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. 

Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. 

Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. 

Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run.
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
There is a judgment on my Experian credit report that belongs to my father, and I have no association with the debt whatsoever. We have called the General Sessions office, and they do not have any information of mine associated with the judgment. However, when I disputed the judgment, Experian did not remove it and verified it as mine. The judgment is not showing up on any other credit reports because it does not belong to me, and I just want Experian to remove the incorrect information from my report.
Double payments, only authorized for once a month, taken at different days for different amounts causing account to be in jeopardy.
My personal loan with XXXX XXXX was paid off 3 months ago. My credit report shows an open account with a balance of {$6000.00} and some change. The balance is XXXX  and the account has been closed. I have confirmation fromXXXX XXXX  to that effect. How does this record get taken off outstanding debt?
Refused to close my account. Charged interest rate. Put me in collection. 
An issue began in XX/XX/2015 when I was trying to close my account. Since that I was charged an unknown interest rate. Every time I attempted to close the account I was denied.
I was told by letter from Northern Trust XXXX copy attached XXXX that my home equity line would not be renewed because I do not have a minimum level of assets with Northern Trust Bank. I have had this XXXX XXXX XXXX since XXXX XXXX, 2006 XXXX copy attached ) and have always been in compliance with its ' terms. I believe I have been discriminated by Northern Trust.
XXXX   XXXX   XXXX   XXXX   was added to my collctions on my credit report and i never recived noticed
To whom it may concerns, I received a call from XXXX XXXX on XX/XX/XXXX and I agreed to pay my settlement which is {$3000.00} by the end of XX/XX/XXXXand they had it on record tape. But the they after which is XX/XX/XXXX they withdraw fund from my account and left a negative balance + overdrawn fee in my account. I called them and they admitted that it was their fault and agreed to pay the overdrawn fee for me. But I am really not happy with it since 6 days with XXXX balance in my account and I need to pay so many things before the end of this month. Can you please help to file a claim against this company. And if it's possible I would like to get my money back since they act was against their words and I didnt receive any mail or notice ahead of time. They basically just called and rushed me to pay for it. Please help. Thank You!
I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. 
I went to XXXX College in XXXX, NC
Wells Fargo are guilty of a BAIT & SWITCH program, causing my family substantial stress and harm. 
Wells Fargo promised to cancel our unfair and wrongful late charges of {$5000.00} if we paid our two months past due amount. During this process this Bank encouraged us to sell our home to become current. At no time did Wells Fargo put a date certain on when to complete this by, nor give us any notice or warning about such a. 
Consequently we began the project of catching up and selling our home, by working hard to make it saleable. It takes a while to do this work and get a house sold. 
We have now sold the home, will pay the past due amounts, BUT NOW WELLS FARGO ARE REFUSING TO REMOVE THE LATE CHARGES AS THEY PROMISED..During the process Wells Fargo took almost ten to twelve weeks to answer each separate enquiry we made about the ongoing process, at least three times. They were close to impossible to reach the person even they advise to call. Once in 9 months did l manage to speak to the person noted by the Bank to telephone. Wells Fargo delays amounted to bout four months in the last nine months. 
Now we have SOLD OUR HOME based on their promise to remove the unfair late charges, BUT NOW WE GET FROM WELLS FARGO THEIR BAIT AND SWITCH TACTIC.
I recently closed my comcast account and paid all the statement balance. 
And now just realized there is a debt collection place on my credit, i have never received any bill from comcast showing that i owed them the amount the debt collectors placed on my credit.Never received any statements from comcast nor the debt collecting agency
The person who is responsible for the debt is not at this number. The debt collectors call almost everyday ; it is a robocall. They even say if the person is intended is not the person they are trying to reach is not the intended person, to not listen to the call. Nevertheless, they make the same call ALMOST EVERY DAY. I need them to STOP!!! These calls have been going on for more than six months.
Received a Letter in the mail yesterday from OneMain FInancial offering a loan up to {$10000.00} the issue is that there is NO APR DISCLOSURE on any of the 2 pages. This is very misleading and I want to make sure that the elderly do not fall for this. Maybe I am not sending this to the right channel but please this type of marketing should not be alllow. 
Sincerely, XXXX XXXX XXXX
i have been disputing a file for over a year now with transunion and XXXX and XXXX, XXXX has been the only company to comply. i contacted transunion on many occasions informing them i was also recording the call and they would flip out in protest about it as if i dont also reserve the right to record the call as they do for " quality intrent purposes ''. i have made them aware on multiple occasions that 2 companies XXXX and XXXX had been inproperly reporting records on my reports and i want them removed immediately. i have even in goodwill attempt sent certified letters, made phone calls while recording the call myself for retainment, and had pleaded to get these accounts off my record as they are not mine. XXXX has been the only one to remove them after finding they were not mine in their investiogations but transunion and XXXX still havent complied, i have even contacted the companies and requested debt validation forms, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act an 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. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I do n'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. '' is what i write in essense as well as quoting the violations they are comitting, '' *defamation *negligent enablement of identity fraud *violation of the Fair Debt Collection Practices Act ( including but not limited 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. '' i have been very formal and yet these items still remain and they just continuously disopute rather then delete, the only reply i got back from first premier has been that the are not obligated to supply me with the requested information, and they even use a provision of my name which violates websters ninth new collegiate which states english grammer shall holds no provisions over names. i would like these accounts removed at once this has gone on long over a year now and these companies fail to comply with FDCPA, AND FCRA. XXXX just flat out ignores me and when i call they hang up on me after transfering me 6 times