WillisBack/dataset-financial-user-claim huggingface dataset:
It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports. 

Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days. 

Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. 

That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.
In the summer of 2015 XXXX XXXX XXXX of FCB Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX verbally approved a mortgage for my family to purchase a newly constructed XXXX XXXX in XXXX XXXX. While in the presence of the XXXX sales team he advised us we were good and asked us to provide a deposit of {$19000.00}, in which we did. During the ensuing XXXX8 months when the house was being built we were called by XXXX inviting us to visit the house when it was near completion. XXXX gave us an access code for entry and invited us to a XXXX XXXX meeting for new residents. We completed their final walk through with XXXX and was provided with a final XXXX to close the loan. When we began the process of wiring the closing costs through the title company, FCB Mortgage called to say the loan could n't close. Suddenly on the day of closing, FCB changes programs and requires additional insurmountable conditions. Now we are being told we can not get our deposit back. 
XXXX XXXX was aware of the approval as they contacted us with closing dates.
Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.
There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX/XXXX  XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX Credit 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
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Equifax did not properly secure my protected personal information from intrusion through any appropriate method, such as patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver 's license number are cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data ( including immunization records ),  legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which is n't available as a default. It requires 2/3 one 's SSN plus last name and a waiver of class-action recourse in order to DETERMINE is one is affected by the breach. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
PROPERTY MORTGAGE WAS PROVIDED BY BANKING INSTITUTION XXXX XXXX, XXXX. 
WASHINGTON MUTUAL / JP MORGAN CHASE Offered INTEREST ONLY Modification Loan late Afternoon XXXX XXXX. XXXX ~ Letter of Rescission Hand-Delivered To Branch Manager XXXX XXXX XXXX, XXXX - Due To Analysis that MONTHLY Savings Were Insignificant ~ AND MORTGAGE Balance Would Not Diminish. 

XXXXKEY ISSUE : MODIFICATION Document Did Not Contain ANY Reference ContainingTO Rescission!!! XXXXXXXX DAYS AFTER RESCISSION LETTER : BANK FORWARDED MONTHLY STATEMENTS - FOR XXXX MONTHS - TITLED " PRINCIPAL & INTEREST, WHICH WAS PAID TIMELY! 
IN XXXX XXXX : CONSUMERS REQUESTED COMPLETED XXXX MONTH FILE WHICH UNCOVERED THE INSTITUTION 'S " FRAUD " OF COLLECTING CONSUMERS P & I BUT CREDITED " INTEREST ONLY "! 
XXXX XXXX ~ IMMEDIATELY NOTIFIED SUPERVISOR OF ESCALATION DEPARTMENT THAT MORTGAGE CORRECTION OF {$48000.00} MUST BE ISSUED IMMEDIATELY & WAS ADVISED THAT SAID MORTGAGE CORRECTION WOULD BE ISSUED - WITHIN 3-4 WEEKS. 

XXXX YR LATER - XXXX XXXX / XXXX YRS LATER - XXXX XXXX ; MANY DOZENS OF FAXES / FEDERAL EXPRESSES / CEO OFFICE / TELEPHONE / LABOR : XXXX WEEKS [ XXXX HRS PER WK @ {$200.00} = {$2000.00} X XXXX WEEKS = {$190000.00} ] XXXX INSTITUTIONS ADVISED MONTHLY! 

NOTIFICATION BY CONSUMER : IF NOT RESOLVED BY XXXX XXXX, XXXX - ALL MONTHLY PAYMENTS WOULD BE PLACED IN E S C R O W. 
XXXX XXXX : INSTITUTION & STATE-UNLICENSED LAW FIRM FILED FORECLOSURE - DELIVERING M A S S I V E DAMAGES VIA NOTIFICATIONS TO ALL PRIVATE / PUBLIC RESOURCES. 

USING $ $ $ PLACED IN ESCROW : CONSUMER PAID & PROCEEDED TO DEMAND MORTGAGE CORRECTION OF ORIGINAL {$48000.00} PLUS {$190000.00} IN COSTS - PLUS {$1000.00} IN DAMAGES. 
ON XXXX XXXX, XXXX : PROMISED BY EXECUTIVE OFFICE " A FINAL RESOLUTION CALL " ; THAT CALL - AND OTHERS INITIATED BY CONSUMER- HAVE NOT BEEN RETURNED. 

ADDITIONALLY : CONSUMER HAS REQUESTED INSTITUTION PRODUCE O R I G I N A L OF XX/XX/XXXX MORTGAGE - WHICH HAS YET TO BE PRODUCED. 

U.S. CONSUMERS MUST BE PROTECTED FROM THIS KIND OF DEVASTATING ABUSE BY THE XXXX DOLLAR FINANCIAL INSTITUTIONS...
Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.
XXXX XXXX, a hotel, charged me {$250.00} for a " smoking fee '' because they said they seen me smoking inside the hotel room. I called and complained to the manager because I DONT EVEN SMOKE. The manager hung up on me and I made a claim with Wells Fargo. Wells Fargo credited my account for the {$250.00} but they just took it out today. I am not going to have {$250.00} stolen from me. This is absolutely ridiculous and complete theft.
I have a BK XXXX that was filed in XX/XX/XXXX. 
We subsequently filed a Ch. XXXX in XX/XX/XXXX and paid it off in full. 

However, we went before the court in XX/XX/XXXX and went before a judge and was granted the removal of the Ch. XXXX since we went for a ch. XXXX. 
We are requesting that the Ch. XXXX be taken off of our public record part of credit report. 

It is the only negative mark Thank You XXXX & XXXX
They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.
I took out a loan with a company called castle payday of {$400.00} dollars which I could payback within 30days it was my understanding that I could pay this loan back without being charged to much interest on my loan I come to find out that this company tried to have me pay {$1700.00} on this {$400.00} dollar loan which is absolutely insane this company is a predatory lender and I would like to have at least {$500.00} dollars returned to me this company should no longer be allowed to be in business it s outrageous that they are allowed to be in this nation ruining people s lives money is very hard to come by nowadays I don t know anyone who can afford to give it away like that please shut them down so no one else has to suffer the way I have these past 8 months thank you.
Since XX/XX/XXXX I 've been in and out of Hospital due to an accident. And since then i have not applied to any credit cards or any loans till XX/XX/XXXX. After been getting denied for every account i pulled my credit report and found several accounts opened under my name and several incorrect addresses listed under the credit bureau. So at this point i contact the Police and file a report due to these inaccurate charges and fake addresses under my name. At this point i started to dispute every information that was wrong under my report and most was corrected. When i contacted this company Pinacle Credit Services that report a XXXX account for {$550.00}. i was requested to submit all the document that i had in my hands which i did. I spoke with several members, XXXX, XXXX, XXXX and today I spoke with a lady by the name of XXXX, all of them refused to provide me the last name or any other Identification and their response to me was that i would receive an update in 48 hours, and i never heard from them, I 've send many letters to confirm this debt and none was provided to me. Every time i tried to explain my situation for the past several years and seams to me that they just do n't care about my case. Which this account is not mine and i should n't be responsible to pay for it. And this is the reason i 'm asking for your help in getting this resolved because it 's causing harm to my name.
I just received notice that my existing CFPB Complaint # XXXX is closed and XXXX XXXX XXXX has still continued to report erroneous ratings to Experian for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.
I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.
I have paid this debt over and over again for the past XXXX years because the credit agency ruins my credit when I do n't. This is criminal! I have ALREADY PAID THIS DEBT XXXX times.
I was 3 days late on a {$32.00} ( possibly {$34.00} ) minimum payment due on my BofA credit card and Bank of America refused to waive my late fee. I explained that the payment was late due to me losing my job, but they wouldnt budge on the {$27.00} late fee ( {$27.00} seems like a high percentage in relation to the $ XXXX that was late too ). I did a Balance transfer to them about a year ago to take advantage of an offer they sent me in the mail. This was the first time Ive been late and just by a few days after dealing with the loss of my job. During my phone call with them, I was sent to an escalations agent ( who introduced himself as a manager,  clearly not btw considering his lack of empathy or care ). I threatened to close my account in hopes the retention specialist may understand my position a little more, but the escalations agent  simply offered to close my account, not considering my hardship in the slightest. 30 minute phone call for nothing. I called XXXX after BofA because I missed that payment for the same reason ( 1st time late with XXXX also ), and XXXX took care of it for me right away. I would close my BofA account if it wouldnt have a negative impact on my credit. BofA just increased my credit line too, Im assuming in hopes that XXXX use them more once my 0 % period is up. Im thinking Im just going to give that business to a company who empathizes and works with its customers ( XXXX ) rather than one who couldn't care less about me losing my job ( sarcasm thanks to BofA ), increasing my credit limit, and not waiving my late fee in an already tough time. You think the {$27.00} fee is worth my future business?
Called me repeatedly, did not leave message. Received XXXX calls in a row, and XXXX more in the hour.
Debt collector has gone as far as to contacting both my parents multiple times a day, every single day. After repeatedly, polite requests to stop- yet continue to do so.
this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud.
TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.
I disputed a few items on my credit report from Equifax and it 's been like 75 days and the disputed items are still in a pending status. I 've called several times and a representative never answers the phone.
Bank of America claimed 2 payroll checks made out to me by my employer were counterfeit. I have absolutely no idea how or why they came to this conclusion, but somehow they did. They proceeded to close my checking account and reported me to check systems. I want to be absolutely clear about this ... The 2 checks were NOT counterfeit! I have not nor would I ever engage in any activity that would compromise my accounts or myself. This claim by Bank of America is absolutely wrong, and I will seek legal counsel if the issue is not resolved in a satisfactory manner. To make a claim that a customer is presenting counterfeit items is incendiary. Bank of America is claiming indirectly that I 'm a criminal. I have written Bank of America via regular us mail to inform them that this cliam is absolutely faukse and how they came to this conclusion is beyond me. After calling customer service with wait times of over an hour each time, I realized that Bank of America has no interest in the customers concerns and instead jumps to whatever conclusion they wish. Big Banks get away with making claims against consumers with absolutely no evidence to back their decisions. I have also acknowledged that one or more checks were deposited via mobile banking and somehow got mixed up in my other undeposited checks, but the check Clearinghouse has always caught this at the ATM or online banking app and returned the check at that time. Whenever I erroneously attempted to deposit a check that had already been deposited previously, the ATM or mobile app would inform me at that time that the item had already been presented and I would simply dystroy the check at that time. I would feel confident that if I accidentally deposited a check after it had been previously deposited that the check Clearinghouse would inform me at the time of deposit. I believe this to be a safeguard that protects the customer as well as the bank. In the event an item is returned I would be accessed a fee for returned items. Additional one deposit that the ATM erroneously displayed as a {$55000.00} deposit on a check in the amount of {$87.00} was the fault of the ATM. I at no point entered any amount the amount was automatically generated via the ATM. I attempted to cancel the transaction without sucessm. The bank caught and fixed the error and the amount was adjusted to reflect the correct amount. I 'd like to say in closing that I truly hope Bank of America fixed this error. The checks were not counterfeit and I would never present any item that I thought or knew to be counterfeit. Very extreme claims against a customer with little to no recourse.
I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. 
US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. 
Thank you