WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.
I was on the phone with my mortgage company to apply for a repayment plan and they had information on a Capital One Credit Card account in my name for XXXX dollars. I do not do business with Capital One, I do not have a Capital One credit card. I have n't had a Capital One Credit Card for probably over XXXX years. I believe someone has opened an account in my name, but am not sure what to do about it. Please can you help me.
I was set up on ACH with TD Auto Finance and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.
This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!
I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.
I 'm making a complaint against Experian for their negligence in not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records XXXX- you have the filing date on this bankruptcy listed incorrectly and I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA . In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX -this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
I have mailed a detailed letter to Navient underwriters or General Correspondence & Submitting Documents. I have sent it on XXXX XXXX, 2017 via USPS tracking number XXXX.
I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX  XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer.
I have been trying to get Ocwen to allow me to sell my property through a short sale since XXXX of 2016. Ocwen will not give my listing realtor a letter authorizing her to list the property as a short sale. The XXXX XXXX XXXX XXXX requires that when the listing realtor places the property in the XXXX she has to state whether it is being sold as a short sale or not. And without a letter from Ocwen saying that Ocwen will consider a short sale ( not approve but just consider ), my listing agent can not say in the XXXX that it is a short sale. All we need is a simple letter saying that Ocwen will consider the short sale so that we can list it on the XXXX as a short sale. 
I have submitted at least XXXX short sale applications, just hoping to get Ocwen to say that it will consider a short sale. But of course Ocwen wants a sales contract, so it refuses to respond to me or review my application. But of course I can not get a sales contract or offer because the XXXX does not permit my realtor to list it as a short sale, without the statement from Ocwen saying that it will consider a short sale. 
All we need is a letter, a simple letter, and Ocwen will not provide it. The house is in foreclosure, and I have spent countless hours dealing with short sale applications, dealing with the court and with Ocwen 's attorneys, and no one can get Ocwen to provide a simple letter saying that it will consider a short sale. That 's all I need to allow my listing realtor to move forward.
My credit card account was frozen telling that they need to verify my identity. I had been using this card since lsat 6 months. I called them up and answered all the questions. Now they are saying they need to talk to me on a second phone which I dont have. Another rep insisted they talk to my employer. I requested many times to cancel this card. But they will not. 

Card details Citi Bank.
XXXX  XXXX, removed XX/XX/XXXX Acct. XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX Acct XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX
XXXX XXXX has reported to the credit agency that they are the owners of the debt. I have made several attempts to contact XXXX XXXX for proof. I have received calls and notfication via the mail by other companies claiming to be the owner of the debt. XXXX is in direct violation of the FCRA. A debt can only be bought and sold by a limited number of parties. XXXX has not been able to verify in writing that this debt does not exceed the federal limits of debt sales by a third party debt collector. From my records this debt has been bought and sold over 5 times which exceeds the legal limit. The credit agencies failure to verify that XXXX is within the legal limits is just cause for civil litigation. I demand the credit agency verify that XXXX is the legal owner of the debt in writing or remove the item from my file.
I had a property that was foreclosed on in 2008. Real Time Resolutions bought this debt after it transferred between 2-3 different servicing companies and have re-aged the debt well beyond the statute of limitations, and have no documentation according to the law to be able to collect on this debt, report it, etc ...
Since XX/XX/2018, I have attempted to contact Trans Union in reference to erroneous items on my report. I began sending written requests for verification of these items in XXXX. Since that time I have not received any of the items requested and the erroneous items are still on my report. They have yet to verify the items and send proof of that verification. They simply say " the company '' reported it as " accurate. '' Without giving the requested verifying information. I have also provided documents to Trans Union that I have sent to the suspected verifying companies and I have never received anything to verify the accounts.
1. Since XXXX XXXX, I have disputed an unauthorized charge with Capital One for {$630.00} ( which has now increased to {$870.00} with interest ). 
2. The transaction was initiated by a local mover, XXXX XXXX XXXX Maryland. 
3. The mover was given my credit card number to " hold '' my spot for a specific moving date. ( XXXX ). 
4. XXXX provided a quote but no bill of lading, as they are required to do. They provided only a quote, which says on page XXXX XXXX attached ) : a. " Payment type : Balance due to be paid in cash only, at destination before relinquish goods and values. '' ( attached ) 5. Upon conclusion of the move on XXXX, I paid the XXXX daylaborers in cash -- and I even withdrew extra ( Bank verification attached. ) so that I could include tips. 
6. I asked for a receipt, which they are required to provided, and they refused to give me one. I just wanted them to leave, so I let it go. As a single mother, it is intimidating and scary to have XXXX XXXX and their XXXX day helpers demanding payment and not leaving until they were paid. 
7. After the movers departed, XXXX XXXX charged my CapOne card again -- so I paid twice. 
8. I reported it immediately to Cap One. No due diligence was conducted as required by FCRA. 
a. CapOne ignored the papers and receipts sent previously. 
b. Since then, I have sent numerous letters and called many times to request proof that due diligence was conducted. They offered NO proof the charge was authorized!! 
c. When I call CapOne -- there is no one I can speak to about this account to resolve the issue. The call center staff have said the issue is too dated and ca n't help me. Each time I wrote a letter, they wrote back and said the account is in dispute as recently as XXXX XXXX, but nothing has been resolved. 
d. I 've sent the baclground information to them five or six different times to date. 
9. Because of CapOne 's negligence to conduct a thorough investigation, my credit has been impacted. 
10. My FICO in XXXX XXXX was over XXXX and because CapOne has now placed this outstanding amount in collections, my FICO is below XXXX. 
11. Now the collector is taking me to court and incurred legal fees.
On XXXX case # XXXX was opened with the CFPB against XXXX XXXX XXXX. XXXX XXXX failed to respond after more than 60 days. This is longer than the 30 days permitted by Federal Regulation and the 45 day response time allotted by the CFPB. In accordance with federal regulations, each credit reporting company must immediately and permanently remove XXXX XXXX XXXX account # XXXX from my credit report.
Frequent calls from " nco '' to my dedicated home security alarm & video phone line. Their numbers XXXX ( XXXX and XXXX ) are blocked for access, but they still call and try to get pass the code.
Student Assistance corporation calls me with robocalls constantly. Most of the time I get dead silence over a voicemail and then a message mid recordeing. This time I bothered to answer because I was expecting a call from another business for another reason not debt related, and I dod n't get a live person on the other side. I got " Student Assistance Corporation is trying to reach you. Please call... '' XXXX, you had me. you reached me. I am not going to call back when you robocall me and then give me a robot to listen to when I do actually answer the phone.
I.C. System Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. I.C. Systems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and Hippa Law.
On XX/XX/2016 Ditech , my current mortgage company, processed my payment that was Due on XX/XX/2016 for {$1000.00}. The check had been written for {$1400.00} in the number box but on the written line I inadvertently written in XXXX XXXX XXXX XXXX XXXX XXXX. Ditech then informed via telephone that I was overdue on my XXXX payment on XXXX XXXX. I checked on my credit union web site and saw ditech had processed my check and recieved payment for the XXXX payment on XXXX XXXX. It was then that it was discovered that Ditech processed the payment for the amount written in the line.The Ditech customer service Representative claimed that Ditech processes checks for the amount written on the line not what is in the numerical box. I was directed to submit a check for {$400.00}, which I did, and that check was processed on XXXX XXXX. I had also sent my for XXXX 2016 the same day without a remittance coupon because Ditech did n't send out on because they were showing non payment for XXXX. The XXXX payment check was Processed on XXXX XXXX, 2016. Ditech then called XX/XX/XXXX asking if I was going to send a payment for XXXX. While I was on the phone with Ditech I checked with my credit union and the XXXX payment had been paid on XXXX XXXX. The Ditech Customer service representative said there was nothing they could do and I needed to send payment. At this point I requested a supervisor and gotten transferred to XXXX at ext XXXX and have only had her working on getting my account straight. On XXXX XXXX I submitted a check for the XXXX payment with absolute scribble written in the amount line and the correct amount written in the numerical box. My credit union processed that check after Ditech took it upon themselves to print in {$1400.00} on the written line and process that check in direct violaton of what I was told several timesof thier policy. I have been trying to get my account properly credited with Ditech through the customer service center to no avail I need help getting this mess straightened out before Ditech processes me for foreclosure.
I was trying to link my TD Bank checking account with XXXX so that I can withdraw funds to my bank account but TD Bank is blocking XXXX from doing so. I attempted to conect the connect the account using my TD Bank web credentials but I receive an error that TD Bank is blocking me. I called the bank and they said they dont like coinbase.com and that is why I cant access it. The customer service rep at TD Bank refused to give me her employee number or any info on who she was. This is unacceptable as now my money is locked up in a website and I will be forced to move my bank account to another bank to get my funds. 

Thanks, XXXX
My name was put on the student loan application of my adult son without permission. I have notified Navient of this for years, and supplied affadavits of my signature, etc., written documents noting identify fraud. However, they continue to harass me continuously sending threatening letters, calling my office of employment and leaving messages on a non-secure phone line about my delinquency and threats of dire consequences. Navient has passed on information about the debt to people who answer the phone at my employment. This is in violation of the FTC Fair and Equitable Credit Act. Navient calls repeatedly after many instructions not to call me at work or at all. This has been going on for 6 years. Navient apparently is now notorious about their illegal tactics used with many consumers and I understand under investigation by the FTC.
I applied for Citi ThankYou preferred card for students. The application was online and being a non resident alien, i selected this option. The app went on and ran a credit check on my social. Later the application was denied. I called the reconsideration line and she told me that that the application i submitted was not for nonresident aliens. Why would they allow me to complete the application and run a credit inquiry and then after all that tell me that the application was not for me.
I have had a charge account with First National since XX/XX/XXXX never missed a payment. XX/XX/XXXX i set up a payment online that was due XX/XX/XXXX at the same time i set the account up for auto pay but using a different checking account.. 
First National Credit Card sent me a text one week later stating that my account was past due the same day i called to see why the account was past due. The rep informed me mmy payment could not be processed because the bank name didnt match the acct information. I confirmed the account information thatmy payments always came from while on the phone she wwas able to process the payment. 
FNB had mix the acct information up in the process of doing do reported my acct past due when i made the payment the same day i received notice.
Experian fail to delete negative wrong personal information on my report. Also, dispute results states that wrong residence has been deleted but every wrong address is still showing on my report results.
Calvary Portfolio has purchased this debt from another debt collector. Upon Calvary Portfolio 's procurement of this old debt, this company engaged in aggressive debt collection tactics by filing several motions in different states as an attempt to collect prior to giving the alleged debtor a chance to be heard before litigation. This method is commonly seen as an act of intimidation, a means of a quick settle, and frankly, a scam. Sometimes, they harass the wrong person and their lives are made difficult to clear their name in the Public Record Forum. This method of debt collection is now frowned upon with new legislation to protect the consumer since 2009. I had no real proof this debt belonged to me from this debt collector, I simply paid the debt, all the while experiencing financial trauma in my own life. This company preyed on old debt and victims in the midst of the country 's credit crisis. They have " contract '' lawyers in many areas and one of their lawyer 's was absolutely abusive in her language and collection tactics. Please see the attached. I was not given a chance to be heard and I relocated frequently due to my husband 's contract engineering job. 
Additionally, when I discovered this company filed motions in different states with accompanying negative comments, and names of private parties as notes for others to see on my Public Record report. Please see attached. I 've asked the company to remove this and all entries in Public Record ( which are worded inappropriately ), they have not responded. Debt collectors should not be free to ruin people 's reputations, include people 's names unrelated to the debt in my Public Record, and refuse to respond to my written request to fix the damaged they have caused. Without the forum and neutral assistance of the CFPB, this abuse and debt collection practices will continue to occur.
I have no idea what this is for. Never received any communication from this company to dispute this alleged debt or for this company to validate this alleged debt.