WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. My social security number is XXXX, I have disputed five items on the following credit reports : Experian, XXXX and XXXX. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of XXXX, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from TransUnion which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, TransUnion added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, XXXXXXXX XXXX XXXXXXXX, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. XXXX attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that XXXXXXXX XXXX remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. XXXX should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
Consumer # XXXXDispute Case ID : XXXXBank Name : XXXX XXXXReference : XXXXXXXXThe situation that happened is that I figured out that information was used to open an account on a financial institition and I contacted them to dispute this deposit accounts. They contacted me and removed me from any liability from those accounts however Early Warning will not remove this inaccuarate negatative reporting from my consumer report. 
I have attached a police report.
I SUBMITTED TO EXPERIAN CREDIT REPORTING AGENCY A STATEMENT THAT I WANTED TO APPEAR ON MY CREDIT REPORT AND OF THIS DAY XX/XX/2017, THIS STATEMENT HAS NOT BEEN ADDED.
XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, XXXX XXXX Equifax XXXX, XXXX XXXX XXXX Dispute Department XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX Those inquired are not mine 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 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/XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, XXXX XXXX
I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I started the process of consolidating all of my student loans in XXXX XXXX - the process was completed at the end of XXXX XXXX. My credit report is showing that my XXXX XXXX  are late 90 days XXXX XXXX. I have question as to how this could be when in XXXX XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. XXXX & Experian come back with account is verified accurately.
Vehicle was towed by the city of XXXX XXXX  then sold to another person over half a year later and now they are claiming I owe them XXXX for storage fees after the vehicle has been sold and I had spoken with them previously letting them know I no longer wanted the vehicle.
Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.
My mother passed away, and I was n't aware I was responsible for this payment, and when it became known no one else was going to pay it, I paid it.
As with my previous contacts with you all I have stated that I am in the nursing home and I have been in one for a number of years due to a XXXX XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!
I have five Blue Serve cards with American Express Serve. These cards have the option to load funds from a debit card or credit card on their website. I have previously used the option to fund via credit card without a problem, but I ran into issues when I linked my debit card to load funds. 

Earlier this month ( XXXX ) I received an e-mail that a scheduled load to one of my Serve cards was unsuccessful. I then discovered that I was unable to sign on to the Serve website for any of my five cards. It told me my password was incorrect, but I was certain that I was entering the right password. Attempting to reset my password online was unsuccessful - I kept getting strange error messages about the session timing out or " something went wrong, try again. '' I called a few days later and was told that the issue was not with my password, but that my accounts were all locked because they needed to verify my new debit card belonged to me, even though I had gone through the online verification process when I added the debit card. The rep stated that they needed to conference in my credit union to verify my information. After doing that, I was told all of my accounts were now unlocked. However, after getting off the phone, I found that only two of my five accounts had actually been unlocked. 

I called back the next day ( XX/XX/XXXX ) and the rep was able to unlock the other three accounts. However, when I attempted to load to one of my Serve cards from my debit card the next day ( XX/XX/XXXX ) I received an error message, and then found that all five of  my Serve accounts were locked out again. I called the following day ( XX/XX/XXXX ) and the rep was able to unlock my accounts again, but as soon as I tried to load from my debit card, they were all locked out again. 

As of today ( XX/XX/XXXX ), they are still locked - I don't have the time or patience to spend any more time on the phone to resolve this.
We have been working on a short sale for this client for over 6 months. In XX/XX/XXXX we submitted an offer for the short sale review. It has taken the lender since then to issue the FHA Approval to Participate, and they issued it with a requirement for a seller cash contribution of over {$14000.00}. The borrowers simply do not have this kind of money laying around. I asked how they calculated this amount and was told they were looking at the bank account balances. When I totaled everything, the assets were closer to {$20000.00} than the {$79000.00} the lender thinks the borrower has on hand. They then calculate a percentage of this for the contribution requirement. The cash contribution should be more in the neighborhood of {$2500.00} based on current bank balances, however the lender says they based the numbers on the XX/XX/XXXX bank statements. In one account in XXXX there was a {$38000.00} deposit made. That was from the sale of a business truck when the borrowers had to close down their failing business. They owed the franchise company ( XXXX XXXX ) for inventory and {$24000.00} of that was paid out to XXXX within a couple of weeks. This payment was reflected on their XXXX bank statement which was submitted to the lender at the same time as the XXXX statement. So the lender could see from day one that this borrower did not have that money any longer. Still, they used that amount in their calculation. The borrower is facing certain foreclosure due to this because they do not have {$14000.00} to pay at closing and can not borrow it from anyone. We need the lender to recalculate the contribution amount so we can get the short sale offer approved and move to closing
A denial letter sent to me stating these reasons. XXXX serious delinquency, and derogatory public record or collection filed. XXXX number of accounts with delinquency. XXXX length of time since derogatory record or collection is too short. XXXX length of time accounts have been established XXXX limited credit experience. these reasons were all fraudulent!! the whole letter in my opinion was fraud. Chase bank does not make money on home loans less than {$50000.00} dollars. my fico score was XXXX
I faxed mortgage modification request and financials to XXXX XXXX   XX/XX/2018. 
I've had a change in my financial circumstances I need assistance with bringing my mortgage current. A follow up call was made to Selene XX/XX/2018 inquiring if they received modification documents and financials and if there any other documents needed at this time. I was informed by XXXX Selene modification dept. the documents were received, the property foreclosure sale wouldn't be put on hold even though they had all required documents in their possession and the file is being processed.Selene has been uncooperative and hard to work with. I feel they are discriminating against me and trying to let my home foreclose. I don't want to lose my home.I received a property foreclosure letter from the Attorney XXXX and XXXX dated XX/XX/2018 with a property sale date of XX/XX/2018. I researched the Tennessee statue in regards to property foreclosure sales and Tennessee Code Annotated states the homeowner is to be given 30 day notice prior to the foreclosure. I did not receive the 30 day notice as required by Tennessee Law. Please, Please, Assist me
I never received any notice about this so-called debt that Midland claims is mine. I 've never received anything in writing/mail regarding this debt. I only found out about this debt when I ran my credit report. I have since requested numerous times that Midland verifies that this debt is actually mine. They have failed to do so and are now after carefully monitoring my credit account I have found out that Midland is now threatening me legally. I feel that my legal rights are being violated and this company are using unscrupulous means of collecting a debt without legal validation.
I disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.
Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.
I noticed that my account had been charged XXXX overdraft fees in the amount of {$35.00} each totaling {$70.00} from Citizens Bank on XXXX XXXX. Not understanding this I called Citizens Bank to get an understanding. After an hour of the customer service rep speaking to me and not giving me a clear understanding of why they charged me the over draft fee she hung up on me. So I called back and spoke with another customer rep and once again she could not give me a clear understanding of why they charged me this over draft fee so she informed me that she would get her manager on the phone who can better explain what was going on. XXXX the manger begins speaking with my and pretty much stating the same thing the customer rep stated which was still confusing, she then decides to walk me through bringing up the overdraft notice which was sent out to me online so I can see what brought my account to a negative. What I noticed was the amounts that the XXXX prior customer reps were informing me brought my account to a negative was incorrect. XXXX continues to inform me that the online ledger is not a reliable tool and that the information I see is not accurate and that I should not rely on it. So I asked XXXX, you 're telling when I am checking my account online and on my phone multiple times a day to make sure my account is balanced the information that Citizens bank is posting is not accurate so I should not rely on it. Well this completely blew my mind. Mind you the whole time I am speaking with XXXX she has been nothing but rude and condescending. Citizens bank has charged me overdraft fee totaling almost {$1000.00} dollars this year some have been justified and and when they are I just pay it but also some have not and when I call they give you the run around and do n't fully answer your question until the point where you become frustrated and just give up. Once again Citizens bank taken my hard earned money and the post inaccurate information on your account. I will be closing this account shortly. Prior to this Citizens bank posted an aomount of XXXX to my account which also caused me to go into over draft which they charged me {$35.00}. They refunded the XXXX because I disputed but will not refund the {$35.00} the charged me. I am not sure how that works at all
Wells Fargo put a furniture company in charge of representing their services, which were misrepresented, I filed a complaint regarding this account and I was immediately contacted the next day to appear compliant, I was told that someone would contact me within 5 business days and gave me his information. He never called and I have left XXXX ignored messages for him.
Santander came today to Reposes my XXXX after months of trying to renegotiate my 37 % predatory loan now they want to Reposes my XXXX i need help so i want the XXXX banks mortgage relief center and his team of law firms to audit the car loan and see if it hassecuritized in XXXX of those Asset backed securities
Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. 
They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. 
Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. 
Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. 
Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. 
Blitt and Gaines added legal fees to my account that they can not substantiate. 
Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. 
I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. 
They NEVER sent me a receipt. 
They NEVER sent me proof of what I owed. 
They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. 
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.