WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter to EXPERIAN disputing the inaccurate accounts information as erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that EXPERIAN received the dispute on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from EXPERIAN. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. EXPERIAN must NOW delete the disputed and INVALIDATED accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
I have previously enclosed a copy of the receipt showing when EXPERIAN received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

THE FOLLOWING INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY EXPERAIN CREDIT REPORT, WHICH ARE LISTED BELOW : US BKPT CT CO XXXX IDENTIFICATION NUMBER XXXX ACCORDING TO MY RECORDS, I HAVE NEVER FILED BANKRUPTCY, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FOR THE US BKPT COURT SHOWING THAT THEY DO NOT HAVE ANY RECORD OF ME FILING A BANKRUPTCY! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THE US BKPT COURT HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE FILED A BANKRUPTCY! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX ACCORDING TO MY RECORDS, I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY HAVE BEEN ASSOCIATED WITH MY PERSONAL CREDIT REPORT! I AM NOW DEMANDING THAT A COMPLETE VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION BE PREFORMED, IN THE EVENT THAT A LEGAL VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION CAN NOT BE MADE THEN REMOVE THIS INACCURATE ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX .... 
ACCORDING TO MY RECORDS, I HAVE DO NOT HAVE AN ACCOUNT WITH XXXX, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FROM XXXX SHOWING THAT THEY DO NOT HAVE VALID RECORDS OF MY ACCOUNT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH XXXX HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE AN ACCOUNT WITH THEM! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
XXXX XXXX  was absolutely impossible to deal with on the phone. Every time I spoke with customer service to set up automatic payments, they would give me different information on how to do so ... and always resulted in no auto-pay set up. I found out that my auto-pay didn't activate when they called me telling me I was late. They apologized and acknowledged their mistake and insisted it would not affect my credit. I am not applying for a mortgage and it is still appearing on my credit from years and years ago. I ended up closing the account due to their overseas customer service representatives not being able to solve even the simplest of problems.
on XXXX/XXXX/16 at XXXX I received a call from a XXXX XXXX introducing her self requesting why the bill had n't been paid after several notices had went out, when I asked to verify the address or the amount she responded never even advising me where the collection was from, 'you got the letters and continued yelling, i asked can she please lower her voice and i would verify my address since i moved within the last year. She continued yelling and cussing ( so not necessary ) XXXX if you do n't give me your address i will find you one way or another. i asked again please lower your voice there is no need to yell she continued with Im not yelling and im done i will find you, then hung up, i called back to speak to a supervisor and she answered the call saying she was the supervisor and that XXXX XXXX did n't have time for this nonsense and hung up again.
In XX/XX/XXXX I received a letter from the XXXX County ( IN ) Clerks Office that a judgement had been ordered on behalf of Midland Credit Management , Inc. We got this debt paid off & received a letter from the law offices of XXXX , XXXX , XXXX, XXXX  XXXX XXXX XXXX . The letter was dated XX/XX/XXXX & signed by XXXX XXXX XXXX, XXXX, IN office. The letter states " As attorney for the creditor on the above account, I certify that the above account has been settled. '' I am trying to purchase a home. The closing title company shows this as an open debt being reported still by the XXXX County ( IN ) Clerks office. I have been trying since XX/XX/XXXX to get this resolved. MCM agrees that the debt is settled but can't seem to get anything to the title company or the clerks office. We have had to re-scheldule the closing twice. Next closing is set for XX/XX/XXXX, assuming this matter is resolved. The title company has three pages of notes from talking to numerous supervisors at MCM. The only thing they are told is yes this debt is settled but the paperwork takes time. Remember, the letter from MCM 's attorney is dated XX/XX/XXXX. 
Can you help???
XXXX XXXX ONCE AGAIN FAILED TO CORRECT ALL LATE PAYMENTS ON ALL CREDIT REPORTS. ALSO, WHEN I APPLIED FOR ACCOUNT CREDITOR PULLED A XXXX SCORE WITH ALL 4 AGENCIES. AND NOW IS FAILING TO REPORT TO XXXX.
Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.
I got a loan for XXXX from XXXX XXXX, last year, set up to pay back twice a month about {$200.00}, its been over a year and not even XXXX has gone to pay down my balance my current balance is {$3400.00}. I was told that the interest wouldn't be that high, and I called before to ask why my balance wasn't going down, and couldn't even get a straight answer. So I went online to look back thru this agreement, this is what I saw..no wonder none of my money is going toward anything. 

This was copied and pasted from the account online ( net credit website ) rate 64.87 % interest {$8500.00} Amount I borrowed {$3600.00} Total I would pay = {$12000.00} this is a total outrage, at this point I have stopped my draft, mind you i have never missed one payment, prior to this complaint, even tho I was struggling to pay this back, and to see that my money is not going to anything but net credits pockets was sickening to see. I fell like I've seriously been taking advantage of. I feel violated and preyed upon, and I need to know what to do to get out of this high interest rate loan. this shouldn't be legal, this is not right. I feel like I need to get a lawyer. 

I have attached my full contact from this predatory lender.
There are inquiries on my credit report that were not authorized, there are serveral insurance companies that checked my credit when I only gave permission forfor XXXX company to check. and also there is a place called XXXX on the inquiries that I have not given permission to as well.
On XX/XX/2018, my insurance company paid {$120.00} to the creditor, XXXX XXXX XXXX. The result amount owed was {$30.00}, and I would be liable for absolutely no more than that as stated in the insurance company claim. However, on XX/XX/2018, XXXX XXXX, the collection agency, wrote in my credit report that I owed a sum of {$390.00} to XXXX XXXX XXXX. This is illegal under the Fair Credit Reporting Act, and they should be held accountable for this.
well two months ago i riceived a america express gold bussiness around XX/XX/2016. had the card lee then 2 months.and then on XX/XX/2016 america express cancel the card stateing that my the other person need to be check out because she use her card more then the owner was used her card.
I sent the following email on XXXX : On XXXX/XXXX/XXXX I borrowed {$400.00}. To date, I have paid {$660.00} for this loan. I recently had XXXX the XXXX and was off work for 2 weeks with no income. Since coming back to work from XXXX, I 've been experiencing less hours and thus less pay. It is becoming a real hardship for me to have $ XXXX taken out every pay. I 've already paid back the {$400.00} and then some. 

Since XXXX XXXX, I have borrowed approximately {$1200.00} and paid back approximately {$1800.00}, not including this current loan. This included sending in money orders. I have been a good customer and never defaulted. 

I asked if they would consider marking this load paid in full. Their response on XXXX : Unfortunately, you do not qualify for a settlement at this time. 

Your current Spotloan payment schedule is at our maximum duration. We are unable to lower your regular payments any further by extending your payment schedule. 

For either a half payment on each payment due date or a single payment per month, we can offer the following choice : Turning off your automatic drafts and mailing in whichever option you prefer in the form of a check or money order. That way you will not have to call in two business days before every payment to set up your arrangement. Please let us know if this works at least two business days in advance of your XXXX XXXX payment of {$73.00}. 

I stopped automatic drafts from my account and was planning to send {$40.00} every payday. Their response : Thanks for contacting me. I 've updated your account records to show that you have declined automatic payments from your bank account. 

You can also mail checks and money orders to : Spotloan XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX As a friendly reminder, your next payment of {$73.00} is due on Wednesday, XXXX XXXX. 

When making smaller payments than what is scheduled, as a friendly reminder does accrue additional interest meaning you will extend out the life of the loan to a further duration. 

I still was not able to make a payment on XXXX XXXX, even {$40.00} without severely compromising my financial situation. Now the loan balance is {$450.00}. 

I do n't even think this loan is legal in my state of Ohio. 

They advertise that you pay down the principal with every payment. They advertise on their website : When you use a Spotloan instead of a typical online payday loan, you can save as much as 50 %. There 's no nickel-and-diming with fees, no balloon payments, and no surprises. I have n't found this to be the case, even making my payments as scheduled. They never give you an itemized statement of payments and how payments were applied. 

I also found it strange that there are 2 addresses for this company, one in Illinois and one in North Dakota.
We have been trying to sell a property since XX/XX/XXXX. We have a motivated buyer willing to pay in cash. We have submitted all the documents to Ocwen and have received a conditional letter of approval. Meanwhile it is now XX/XX/XXXX and Ocwen has n't given us the approval for sale yet they have everything asked for. They have made no effort to contact us regarding the sale but call to harass four to five times a day to collect the debt. No one at Ocwen knows anything but have started foreclosure proceedings on the property that 's waiting to close on by them stalling.
Hello, I've contacted Bank of America ( BOA ) several times over the last 5 years about removing my PMI. The last time I spoke with a representative it was in XX/XX/XXXX, at which time they said my loan to value was under 78 % in 2 months, at which time according to the Homeowners Protection Act of XX/XX/XXXX, PMI would automatically be removed. I've tried contacting BOA several times thereafter ( and again today, XX/XX/XXXX ) but have always been transferred and representatives say a PMI expert will call me, which they never do. My account has always been in good standing ; not one late payment, ever. Now, several years after the loan to value has been well under 78 %, I'm still being charged $ XXXX/month. BOA has been unlawfully charging this PMI for years, and is doing their best to avoid cancelling this. 

I see that when my refinance was drafted in XX/XX/XXXX, BOA listed my home purchase price at {$150000.00}, which is incorrect and simply a fabrication. I've owned this home since XX/XX/XXXX, at which time it was purchased for {$160000.00}. An appraisal was performed and the value was determined to be {$180000.00} at the time of the refinance in XX/XX/XXXX, which means PMI was not ever required. 

I sincerely appreciate any help you may be able to provide. 
Thanks, XXXX XXXX
I tried to dispute an item online, the sytem states that it is ACCURATE an unable to dispute online unless I mail documentation. I was given the option to upload the information. However, at the last minute I was not able.
HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. 
This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. 
I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.
These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.
When I recertified my Income Based Repayment plan, I selected that my income has significantly changed from the last year, but XXXX still forced me to upload tax returns. They ended up using my wife and my joint return to recalculate my payment. However, we just had a child and my wife is solely commission based and has not been working. As a result, or family size has increased and our income has drastically decreased. When I received the new monthly payment, which was four times higher than the previous year 's, I called to have the payment re-calculated. After explaining my situation on 11/19, that individual told me to upload my pay stub and to request a recalculation, which I did. She also told me to not pay the increased payment, because my XX/XX/XXXX invoice would be re-calculated. When I called today, XX/XX/XXXX, I was told my payment can not be recalculated and now because we can not afford the payment this month, my only option is a 30 day forbearance which adds approximately {$6000.00} in principal and interest to my total balance. The representative even apologized that the previous rep made a mistake in misleading me about the payment.
I requested my mortgage payoff amount on XXXX/XXXX/XXXX and was told that I should receive payoff amount in 3-5 days. I called again on XXXX/XXXX/XXXX and was told that the payoff quote has not been generated and that a request was put in on XXXX/XXXX/XXXX. I called the bank again on XXXX XXXX, XXXX. They told me that my payoff quote was mailed out on XXXX XXXX, XXXX, and I should receive payoff quote on XXXX XXXX or XXXX XXXX. As of today 's date, XXXX XXXX, XXXX, it has not been received. I asked for payoff quote to be verbally given over the phone and was denied the request.
My complaint is with Experian, XXXX and XXXX about an account on my credit report listed under XXXX XXXX. The bureaus are damaging my character and an overly burdensome task to have this rectified. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX  asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Back in XXXX I contacted Wells Fargo regarding a Home Loan for a new house I put an offer on. I sent them all of the information for my wife and I, and they ran our credit. Unfortunately, our offer fell through, but this past weekend we made and an offer and it was accepted. I contacted Wells Fargo this week and began the process. I communicated with XXXX XXXX XXXX XXXX XXXX at Wells Fargo. We discussed having only me be on the loan since my wife has bad credit due to her ex-husband. He informed me to get a Good Faith Estimate for just myself he would need to run my credit again, because his computer system would not allow him to provide XXXX for just me unless they started a new application. I asked him to just provide a Good Faith Estimate with the current loan having both my wife and I on it. Once XXXX XXXX heard I was not going to do the loan as an individual, he refused providing me a Good Faith Estimate unless we provide him with an addendum to our contract saying our escrow will be extended longer than 30 days.