WillisBack/dataset-financial-user-claim huggingface dataset:
I was dismayed after I ordered my Equifax, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LAST FOUR : XXXX XX/XX/2018 AD Astra Recovery Servic XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Ks XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then 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, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 
Name of Account : Provide Physical Proof AD Astra Recovery servic, FOR THE AMOUNT OF : {$620.00}
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This stems from a deposit made to a Joint Account owned by myself and my ( XXXX XXXX daughter who was XXXX at the time this account was established ). XX/XX/XXXX several deposits were made into ( Acct # XXXX ) from another Navy Federal Account ( XXXX XXXX XXXX ). I never had access to this money or benefited in anyway. I was never informed of this discrepancy. I had requested two times prior to this incident for my name to be removed from this account when my daughter turned XXXX. These request were never honored. Then XX/XX/XXXX I received my XXXX  XXXX pay in my checking acct ( XXXX ) which {$400.00} was taken from that to pay a debt I was never notified of per banking regulations. When this happened I called the bank and they refused to entertain why the money was taken and refused to refund it. I drove 3 hours to the nearest bank the morning before I put my XXXX DAughter in XXXX XXXX for XXXX XXXX after having a XXXX XXXX over the bank and their discrepancies. I went into the bank on XX/XX/XXXX where they refused to remove me from account and demanded payment even after seeing my daughter in a XXXX XXXX  unable to make XXXX XXXX. My daughters suffers from XXXX, XXXX XXXX XXXX, and XXXX which gives her XXXX, XXXX XXXX, and problems with XXXX. She just got out the hospital a week ago Thursday and now in XXXX XXXX XXXX. Details of this monies is being investigated for criminal charges. All of this has been explained to XXXX XXXX yet they want to make me the sane person responsible for a debt I had no knowledge of until they took my XXXX XXXX and then setup payment arrangement in order to refund my {$400.00}. SAD INDEED
I was scammed by being sent fraudulent checks through email that I would print out and deposit in my bank account. The first check was worth XXXX . The second check was worth XXXX . I was then told by a scammer claiming to be a XXXX  XXXX XXXX professor which is the university I attend to purchase 4 XXXX XXXX Cards, the first one worth XXXX , the second one worth XXXX $ and the third one worth XXXX $ and the fourth one worth XXXX $ which equals a total of XXXX . I would then take a picture of the codes on each and send them to the scammer. The first check I deposited got rejected which is how I found out it was fraudulent. The reason why I did all this in the first place was because I applied for on-campus jobs through an app called XXXX XXXX which is an app for students who are interested in having an on-campus job or doing an internship related to their major so I assumed this had something to do with one of the jobs I applied for especially given the fact that they were claiming to be one of  the professors at my university. 
I have attached the codes of all 4 of the XXXX XXXX Cards I purchased as well as the amounts of money that were deposited in my bank account via the fake checks, the money that was taken from my bank account because of the first fake check as well as the amount of money I purchased on the XXXX XXXX Cards.
I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to " research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely, XXXX XXXX XXXX
Experian is reporting obsolete information in which I am asking again for the old accounts to please immediately be removed. I have contacted Experian and they have not removed the old accounts. All accounts exceed  XXXX  years in which easily verified by dates opened. The accounts are not attached to any other accounts and within removal date status. I am attaching a previous request sent to Experian requesting the following accounts which exceeds  XXXX  years of age to be deleted from my credit file. Again I am asking for the following old accounts to be removed as they are too old to be on my credit file.       XXXX   XXXX    XXXX  ... .Date opened  XXXX    XXXX    XXXX  ... .Date opened  XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ...  XXXX  opened  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  ... .Date opened  XXXX
Debt was settled and paid and judgement was satisified in NJ Court. A payment agreement was made before it went to court. Creditor is saying the attorney said there was no judgement. But it has been filed and satisified by the court. Attorney needs to rectify with creditor that this has been taken care of and balance is not due as it was agreed upon and settled. 
This may hurt my chances for a mortage. I did not know this was on my report since it was paid, settled, and satisfied.
This company keeps calling for XXXX XXXX and XXXX XXXX XXXX XXXX. This is not either of them and I have told them that.
I 've been disputing a XXXX account that has been on my report Account # is XXXX reflecting a 2010 opening. This account has been in dispute. I 've contacted the creditor reporting it and they sent a letter stating that they do n't own the account and are not reporting it. I forwarded that letter to Experian to have it removed and still it is there for no apparent reason. I 've tried to dispute it online and it gives me a red note stating that the account was already disputed and ca n't be disputed again. It 's an unverified account that ca n't be verified and the company showing on the credit report does n't even own it. I want this account removed immediately.
See attached .pdf copy confirming payoff of a Citi Cards credit card account, for the balance stated of {$210.00}. This card was canceled/inactive approximately 4 years ago. Citi Cards has sent me a following bill for interest of {$3.00}, for the period XXXX/XXXX/2015 through XXXX/XXXX/2015. Once again, this card was canceled/inactive approximately 4 years ago. I called the Citi Cards customer service number ( XXXX ), and spoke to a representative who did not identify him self. I asked to speak to a manager in charge, and was refused. The Citi Cards representative did not resolve the matter to my satisfaction.
We have been restlessly attempting to resolve this issue, we have even submitted a complaint with CFPB recently for Wells Fargo Dealer Services, which we mistakenly believed was the correct section to deal with. 

The problem : My husband has a car loan with Wells Fargo Dealer Services. For the past year of XXXX up until about XXXX, he had been sending in money orders to a Wells Fargo Address believing that this was the correct address to send in his payments. He had been making the money orders out to : XXXX XXXX XXXX XXXX 
P.O. BOX XXXX XXXX XXXX, SD XXXX We informed Wells Fargo Dealer Services about this, but we thought he had made them out to them but that was not the case. While we truly apologize for any inconvenience and misunderstandings, we have been trying to resolve the issue, its just been frustrating. We hope they understand as its tremendously frustrating when you are unable to purchase a house or your credit is messed up for a mistake that you cant fix. 
I called Wells Fargo Dealer Services an informed them about this as they opened up a case with the number : XXXX. They called my husband and after speaking with him, he was told there is nothing they can do because he has no proof of the money orders. 
I was also informed from a representative at the presidents office of Wells Fargo Bank at this number : Chairman, President and CEO, office of XXXX XXXX ( XXXX ) XXXX that someone at the above address mailed the last two payments to the overdraft service department and they had deposited them in his personal checking account. But they are saying that they never received any other money orders, so I have enclosed a copy of an envelope that was addressed to them as well as the money orders that where deposited in his account.
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX  mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed.

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX.

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX  lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse.

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Conns after payment $XXXX is a day late they make excessive phone calls through out the day hour after hour dqily starting at XXXX to almost XXXX.  I have stated that the payment will be late and as long as its not 30 days past due the phone calls need to cease.   My request has been ignored so numbers just continue to get blocked as this disrupts my entire day.  Here is the copy of my request:  As of today I want all phone calls to cease. It is considered harassment the hourly call I receive from this business over a payment that is not even 30 days old. If you do not comply I will be forced to file a complaint with the CFBP. Further communication will be done thru email only. (sent XX/XX/17)
Barclays Bank pulled a hard inquiry on my account after my account was paid in FULL.
On XXXX XXXX, 2015 I received a call from XXXX then I picked it up, a guy named XXXX XXXX told me that he worked for XXXX for grant money. Then XXXX told me that I was qualified for XXXX $ I was excited then he asked me for all of my information including my social number.I gave him all of my info than he transferred to a different number which is XXXX they asked me to send a XXXX $ fee than I could have XXXX {$.00} They have more numbers which are XXXX, XXXX, and XXXX. If those numbers call you do n't pick up and block the numbers.
I had a credit card with Navy Federal Credit Union since XXXX. I had got behind on my payment around XXXX and called their customer service Representatives to make payment arrangements. I paid my payments on time and out of nowhere Navy Federal Credit Union turn my accounts over to a collection company.
I had a negative Derogatory mark on my equafax credit saying I still owe this XXXX XXXX Opened XXXX XXXX 2014 {$89.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$89.00} Highest Balance {$89.00} Opened XXXX XXXX 2014 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX I jave paid this the have bee notified my XXXX XXXX XXXX but it still remains they have be rude and still refused to remove from my report They also say that a investigation will take at least 30 days but probably 90 days I feel tat they are being unreasonable
XXXX  XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX  XXXX XXXX  as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
ServiSolutions acquired my mortgage is XXXX 2015. Their XXXX letter to me stated my new mortgage payment was {$1200.00} monthly ( {$570.00} principal, {$330.00} interest, {$320.00} escrow ). At closing my HUD-1 stated my mortgage is {$890.00} ( {$660.00} principal, interest, mortgage insurance, {$220.00} property taxes and homeowners insurance ). They fixed this problem after a few weeks. Now, they have sent me a statement saying my property taxes ( which has not even been issued for this year yet ) are increasing to $ XXXX and my new monthly payment is {$1600.00} per month. Please read my email response to them as follows : 1. Yes, at closing my lender collected 2 months property taxes at {$150.00} per month for a total of {$310.00} ( HUD-1 line XXXX ) 2. Additional Settlement Charges from my closing indicate on line XXXX of the HUD-1 that the XXXX half of the property taxes to XXXX County were collected at a total of {$930.00} ( cross reference line XXXX HUD-1 ) 3. My loan terms on page XXXX of XXXX on my HUD-1 indicate that my mortgage includes a monthly escrow payment of {$220.00} ( homeowners insurance and property taxes ) for a total of {$890.00} per month. 
Homeowners Insurance $ XXXX/yr Property Taxes $ XXXX {$1800.00} XXXX $ XXXX {$220.00} 4. My new tax bill is not issued until this month. Why was I sent updated statement saying my property taxes are now $ XXXX a year? 
5. I am the sole income of a XXXX person household with XXXX XXXX XXXX and XXXX. This is the second incident with an incorrect bill being sent to me. I ca n't XXXX endure this stress. You have only owned my loan for 4 months. This is truly ridiculous. I was responding to this email they sent me as follows : Hello Form the research the finding were as follows : The amount of taxes that were owed at closing was only for 1 month ( XXXX ). Now that the new year has started we have to reanalyze for the full year to be paid for taxes that will be owed every 6 months. ( XXXX x 12 months = XXXX ) ( XXXX / 2 months = XXXX ) Thank you
Calls virtually everyday.  Caller ID shows up as "XXXX" and they say they are the collection agency for "XXXX".
We received several calls on our home and cell phone from a XXXX XXXX from Regional Processing phone # XXXX, leaving a file # and saying her client had a business issue with us. My husband did finally speak with her, and was told that he took out a {$350.00} loan on line several years ago and did not pay it back, and that she could take a payment over the phone. No further details. No loan was ever taken out to his knowledge and he gave her the name and phone # of our lawyer and asked for proof of debt to be mailed. 
Just reporting the scam. Thank you! 
Just reporting
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. However I never had an account or contract with this company .According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.
I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.
Upon review of my XXXX report I noticed company named : CAPITAL ONE BANK USA N listed and reporting incorrectly which has caused denials from my applications. This account was a prepaid account in which I paid into the Secured account. I was never late on any payments as this account is being reported falsely. This account is showing under XXXX under status " Closed '' Late with a XXXX. This is not accurate reporting. I am requesting this be removed from my credit file. This item is also showing on my XXXX report as " Closed '' and Paid. This item is showing on my XXXX report " Closed '' payment status is " Unknown ''. It is clear that this company has been reporting to all XXXX credit bureaus inconsistently reporting inaccurately caused credit application denials and inconsistent credit scoring. This company has reported XXXX different ways on each report. This company is reporting false payment status, This company is reporting false terms, It has never been late. Please remove.
I had a agent call me from  XXXX   XXXX   XXXX  to tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.
I graduated from XXXX XXXX XXXX in XXXX. I have accumulated so much debt. In XXXX, I consolidated all my loans with the Department of Education through XXXX XXXX XXXX. To my suprise, I have received a XXXX summons from a client that I owed private loan in the amount of approimately {$23000.00}. I was not aware of XXXX scamming me to believing that my loans were consolidative. Now I am stuck with paying loan that I had no idea signing in the name of financial aid. XXXX degree is not worth anything. I could not even get a XXXX. I can not pay XXXX different student loans at the same time.XXXX XXXX scam me and now I am stuck with unnecessary bills and being sued XXXX times by the creditors. I do not know what to do now. 
XXXX XXXX have cause me serious pain and my credit is destroy because of judgement on my credit history. 
I need them to take their worthless, senseless and scamming degree. 
I am hoping the CFPB can find a resolution to helping the thousands of people who are victim of XXXX XXXX Scams. Be careful to sign documents from XXXX XXXX. They will tell you your loans can be consolidated but that is a lie. They will steal some of the loan they make you take and you are stuck with the bad debts. XXXX XXXX is a disgrace.