WillisBack/dataset-financial-user-claim huggingface dataset:
Good Morning, During the process of reviewing my credit report. I noticed the company Financial Data Systems Inc. on my credit reports as collections multiple times. It states the file was opened on XXXX/XXXX/2017 in several different amounts for this noted date. Amount # 1 : {$29.00} Amount # 2 : {$120.00} Amount # 3 : {$26.00} Amount # 4 : {$120.00} & Amount # :5 {$200.00}. I have contacted this company via certified letters asking for validation of these debt amounts because they do not belong to me. I did not receive a response from this company. I have also made attempts to contact this company via telephone & informed the rep that I sent out letters requesting validation & informed him that these debts were not valid. The individual attempted to still collect a debt after I informed him multiple times during the call that the debt did not belong to me & that it was IMPERATIVE they removed these debts from my credit report. I then contacted XXXX & XXXX via certied letters requesting that the debt be validated or deleted. In response I received correspondence stating that the debt was validated but there was no proof of validation as requested. Which in turn I sent a second round of letter to both the credit bureaus & the debt collector to attempt to resolve this matter. Financial Data Systems then sent an update to all credit bureaus on XXXX/XXXX/2017 causing an additional major hit to my credit. Financial Data Systems Inc is not licensed or authorized in the state of South Carolina to collect on any debt. Their license has been considered dissolved which means it is not legal for them to practice debt collection in the state of South Carolina. So I do not understand why this company is attempting to collect on debt especially debt that does not belong to me. I have exhausted all of my options as an attempt to reach a resolve in getting this debt removed off of my credit report with all bureaus.
My mortgage loan was transferred to LoanCare XXXX from XXXX Bank on XXXX. As of XXXX I still have not received any information from LoanCare on how to make any payments on my loan. After I contacted my old servicer, XXXX, they gave me LoanCare 's website and my new loan number for LoanCare. After using this to log on to LoanCare 's site, LoanCare will not honor the full 15 day grace period in my loan documents, and insists on charging extra fees to process payments after the XXXX day. In addition, I have written an email to LoanCare and called and waited on hold for 30 minutes before I was hung up on. I have still received no response from LoanCare.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX | DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


O # XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank you, XXXX A XXXX
We are requesting of you to fully investigate the accuracy contained in our credit reports. We further believe the credit bureau, XXXX & TD bank are in violation of the following. 

Fair Credit Reporting Act ( FCRA 15U.S.C.1681 Section 616- Willful Non Compliance Section 617- Negligent Non Compliance Section 621- Administrative Enforcement In addition we are requesting to have the entire trade lines Deleted and for the credit report to be marked as Closed Without predijuced
In XXXX I took a loan for {$8000.00} from XXXX XXXX to cover the remainder of my college tuition that my federal aid and family contribution did not cover. At some point the servicer changed to Navient. Over the course of time I was unemployed in XXXX once and could not afford to make payments on my account. I recall calling customer service and asking for a forbearance and I was told that it was not a federal loan and therefore I did not qualify. That I could pay {$50.00} to apply for a partial forbearance and I could just make payments towards the interest or something. I was worried about all of this impacting my credit score so I agreed to do whatever was necessary to keep the account in good standing. Over the years the loan literally doubled. The balance is now over {$16000.00} as of XXXX and I have been making a payment of {$200.00} for as long as I can remember each month. I called customer service some time again to ask why my loan had gone up so much and the answer was unclear and confusing. At this point I calculated what I would be paying for the {$8000.00} I borrowed as a college student by the estimated loan payoff ( XXXX ) and it 's close to {$75000.00}. The customer service reps have not been helpful over the years explaining my concerns or answering questions I have. They have not offered much help towards making my payment more affordable or how to get a handle of paying off this loan affordably and in a reasonable time frame. Please offer any suggestions and or help you can. I feel quite helpless and frustrated and regret ever taking out a loan with this company.
While talking to a mortga ge specialist on the phone from Quicken Loa ns we were interrupted by his supervisor. He proceeded to quote me a rate of 3.75 %, and was asking for my credit card #. I was not willing to engage without this being in writing. He did not inform me that this rate also had  XXXX  points for {$3400.00}. This is not acceptable to me an d may be fr aud. After complaining to this supervisor for failing to inform me about the points, the discussion became heated. I asked to speak to his supvervisor who told me this was not intentional. If not for me asking I would have been charged to proceed with a transaction that was verbal, and at no time was I informed what I was paying for. Their solution to this issue was to apologize several times, and to offer me a {$500.00} voucher for any future business I do with these glorified used car salesman. This also is not acceptable to me. I look forward to hearing from you on this matter. Thank you.
After the XXXX data breach, I have been trying all week to freeze my accounts/data at the three major credit agencies. I have spent HOURS and HOURS trying to do this, and have been partly successful at only one, TransUnion. However, they charged me a lot of money for things I never ordered. 

ISSUE : TransUnion. I went through the steps on their website to freeze my account. It all appeared to work -- until I received an email receipt showing they charged me {$19.00} for " TransUnion Report, Score, and 3-Bureau Credit Monitoring. '' I never ordered any of this while trying to simply freeze my account with them. I have spent OVER THREE HOURS since I saw the charge yesterday, trying to get in touch with them to remove these charges. I could never get through. Today, after a 47-minute wait  on hold, a rep finally picked up. As I was explaining my issue to him, the line was cut. Nobody ever called me back. Now Im 30 minutes into another hold on their line. 

I want my {$19.00} back from TransUnion plus a confirmation that they have actually placed a freeze on my account/data. 

The companies need to step up and make it much simpler and less time-consuming for Americans to freeze accounts -- of all our personal information, which we never agreed to give to these agencies in the first place.
On or about XXXX XXXX, 2016, I received a telephone call from Wells Fargo Bank regarding an inquiry I made about a VA Mortgage. I informed the lady that I was concerned about the repeated inquiries in my credit report but she assured me that inquiries that are dated within XXXX days apart qualify as one inquiry. I was then transferred to a XXXX XXXX XXXX. XXXX XXXX asked me a lot of questions regarding my financial history and questions originating from the VA Lenders ' Manual. After I answered all of the questions XXXX XXXX pulled my full credit report. I was not given an opportunity to submit a written credit application, just the verbal one with XXXX XXXX. XXXX XXXX informed me that he pulled my credit report from all XXXX credit bureaus and that he would utilize the credit score that was in the middle. He then informed me that according to such credit score, I qualify for the VA Mortgage per VA regulations regarding the credit scores of veterans. Then, XXXX XXXX informed me that I had XXXX ( XXXX ) medical delinquencies and XXXX derogatory item from XXXX. Therefore, the Wells Fargo computer system could not pre-qualify me for the VA Mortgage. XXXX XXXX thern informed that I was required to upload documents proving my assets totalling {$5900.00}, and several other kinds of documents including explanation letters concerning the medical delinquencies and the XXXX derogatory item. I implored XXXX XXXX to supply me with a credit denial letter so that I can receive a free credit report from the XXXX ( XXXX ) credit bureaus and ascertain the nature of the XXXX derogatory item that was something new that I knew nothing about prior to XXXX XXXX 's admonishment. I believe that because XXXX XXXX could not pre-qualify me because of the XXXX derogatory item and the medical delinquencies, that such action constitutes a credit denial, even though XXXX XXXX denied that fact. Therefore, I am requesting the CFPB to compel Wells Fargo to supply me with a denial letter so that I can request a free credit report from the XXXX ( XXXX ) credit bureaus instead of repeatedly having to buy them. 
Additionally. I believe that the credit scores that Wells Fargo received incorporate the medical delinquencies and XXXX derogatory items. It is not so clear to me which credit report included the XXXX derogatory item and which credit report displayed the middle credit score that Wells Fargo used to qualify me. It appears to me that Wells Fargo used the credit report with the lowest credit score, instead of the middle credit score, to deny me credit because it appears that is the credit report that showed the XXXX derogatory item. 
It is also not so clear whether these medical delinquencies and derogatory item was a component of Wells Fargo FCRA ( Fair Credit Reporting Act ) pre-established creditworthiness criteria that I should have been informed about prior to the accessing of my full credit reports. I do not recollect XXXX XXXX asking me and inquiring about any derogatory items in my credit reports prior to accessing them.
I requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.
Requested validation and verification. These bankruptcy accounts being reported do not belong to me. I contacted Bankruptcy Court and respond was they did not report.
XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late  payments, but has failed to accurately report those late payments. I told Transunion that the account is in accurate and does not list a date of removal. Transunion stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my Transunion credit report. Transunion fails to remove it for violation of accurate reporting. I would also like XXXX to remove this account as well because the same is happening with them too.
I XXXX, XXXX, my mortgage service company sent me a letter stating that I am eligible to recast my mortgage. I said yes, and sent the form back to them. They never responded again, so on XXXX XXXX, XXXX, I called them to check on the recast and they said it was still pending. I paid the new, higher, amount on XXXX XXXX, XXXX. Since that time I have called repeatedly and have been told by Nationstart my recast was pending, being reviewed, lost, resubmitted, denied, and now pending again. 
Could you please help me? My interest rate was adjusted XXXX/XXXX/XXXX, and without the recast, I am having real difficulty paying the extra money each month. I am concerned about losing my home, especially when the interest adjusts again XXXX XXXX, XXXX. The recast would enable me to be able to pay each month. 
They were kind enough to offer this to me, but have not done anything to help recast my mortgage. I have done everything they have asked and still nothing. One department told me the last week of XXXX they had halted recasting HAMP mortgages at that time, XXXX XXXX, XXXX. However, I applied for the recast when they offered it in XXXX, XXXX. 
My mortgage information is : Nationstar Mortgage, XXXX, TX My loan number : XXXX Thank you for any help you can offer me. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX
Checking my account online in XXXX, I noticed a charge of {$100.00} that I did not recognize. So, I requested TWICE a copy of the sales slip. XXXX XXXX ignored my request, but froze my account. I called and spoke with Customer Rep XXXX on XX/XX/XXXX. She lied for Synchrony by saying that had reported that I " misplaced '' my card. I never did! I told her that I only asked for a copy of the charge. She lied for Synchrony saying that a copy was mailed " yesterday '' XX/XX/XXXX. Now, 10 days later and nothing sent to me. She also lied for Synchrony by saying that my account would be unfrozen and she would note on my account that I never reported my card missing. Sill today XX/XX/XXXX my account is still frozen. Moreover, I contacted the merchant Walmart who said that the aforementioned charge was an error. I was given a credit slip by the merchant. But, Synchrony still has not reversed the charge. XXXX XXXX is lying and thieving.
I bought a car that was financed by First Niagra bank. A year later, first Niagara merged wit a bank called Key Bank. Since this merger I have had issues with payment. Anytine I make a payment, they tell me they do n't receive it. But when i check my bank statement it shows that the payment was taking out. I have been calling since XXXX to resolve this problem but to no avail. They are very incompetent and very unprofessional. I have had debt collecting call since XXXX and I 'm not even at fault. The worst part is that it has wrecked my credit score. My credit used to be very good and now its below average. I 'm a young woman who has been working very hard and going to school so I can have a great future and a good life. That seems like a dream now because of this problem. I will be going to XXXX school next semester and I dont know how I 'll get a loan with my credit score the way it is right now. I am frustrated and do not know what to do. To anyone reading this, please stay very far away from Key Bank. They are horrible and could ruin your lives. In America, you need good credit for everything, when it ger ruined or wrecked you are XXXX. You can not buy a gouse, rent one or even buy a car.
I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.
I have previously made a complaint to the CFPB about Citibank not honoring their commitment to give me XXXX Thankyou points ( see CFPB complaint XXXX ) They agreed to give me the XXXX points within 30 days. of their letter of XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and they have still not given me the points even after six phone calls and no return phone calls.
This information was reported on XXXX, they were not addressed in their response. 3 out of the 5 judgement were deleted by Equifax. XXXX and XXXX researched and removed all 5 due to insufficient and inaccurate reporting.. 

Per my Equifax Credit report the following 2 tax liens remainL Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$770.00} Reference Number XXXX Date Filed Reported on XX/XX/XXXX {$2000.00} Please remove the above referenced judgments.
Citi bank ( CBNA ) did hard inquiry on my account on XXXX XXXX XXXX. I did not apply or even try to get their service.
This complaint is in conjunction with cfpb case no. XXXX. 

The collection agency Midland Credit Management, Inc began calling me and sending me mail XX/XX/XXXX trying to collect a debt on XXXX XXXX XXXX account I had settled XX/XX/XXXX through debt consultation ( XXXX ). At the time the collections owner of the account was XXXX XXXX XXXX XXXX XXXX. The last know update to cfpb case no. XXXX has Midland stating that XXXX XXXX is a subdivison part of its company and that they were no longer pursuing payment and that no money had been collected on the account. This statement is FALSE. I not only settled with XXXX for the XXXX XXXX account for the amount of XXXX XX/XX/XXXX but I have documentation and bank statements to prove so. XXXX has no right to report anything on my credit report about this account other than it was settled. Instead the company shadily tried to collect on the remaining amount of the account left at settlement. Paper copies of attachments will be sent to CFPB by certified mail with this case number as reference for further review.
I have disputed that my joint Mortgage with my Ex husband was included in my Chapter XXXX bankruptcy in XXXX of 2015 and my responsibility written off. Initially, XXXX put the prop. up for short sale then removed it. I called to inquire & was told I could not file on joint prop & resp was still mine too. I get monthly bills & yearly tax statements. 

Regarding the Two individual XXXX accounts I had, I paid both off long before my bankruptcy through XXXX XXXX. I have case worker 's number who can provide payment history. It has shown in the past paid in full, on time, closed long before bankruptcy was filed. XXXX just had not marked accounts closed. When I disputed, the payment history and dates of payoff were removed.
Hello. I started my application for a HELOC ( home equity line of credit ) on XXXX/XXXX/16 and provided all necessary documents in a highly timely fashion as soon as requested ( usually in the same day if not within the week at the latest ). The application process dragged on such that I was told verbally that this was going in circles on XXXX/XXXX/16. I was completely misled as I was told by the senior loan officer and bank manager personally that the HELOC would be secured by end of XXXX 2016 at the latest.
I applied for and received the American Express Blue Cash Card ( XXXX ) in  XX/XX/XXXX. The invitation information said that there is no fee, and I also enjoy 0 % interest until the end of XX/XX/XXXX. I therefore applied for a balance transfer of {$6200.00} when I applied for the card. The balance transfer was approved and executed in XX/XX/XXXX. However, AmericanExpress incurred a 3 % balance transfer fee against my account. I believe this is not consistent with the invitation material that AmericanExpress sent me, and therefore a breach of contract. 

XXXX XXXX XXXX
XX/XX/XXXX I sent out a validation letter to Wakefield and associates. I received a letter back from them but it doesnt include validation.
I notified Novient when i found myself laid off and they didn't inform me of any options available to me. They did put my loan in forebarence and reported my payments late on my credit report. I told them I was making less than 800 a month. Rather than educating me on an income driven loan which I would not qualified for. Now I'm again trying to get an income driven loan and I feel they are attempting to put me in a higher payment than what Ive researched my payments should be. I asked them to remove the late payments on my credit report and they have not
I have had an account with American Express since 1987, but American Express refuses to report this to the credit bureaus. 

Instead they continue to report my car as a new account even though my America Express account shows me a member since 1987. 

American Express NEEDS to correctly report my account start date to ALL three bureaus with the 1987 date.
On XX/XX/2018 I wrote a letter to Equifax disputing a bankruptcy that was being reported on my credit report. On XX/XX/2018 I received a reply back from Equifax Confirmation # XXXX stating the information I disputed has been verified as accurate. They claim their source was verified by XXXX XXXX. 
I received a statement from XXXX XXXX on XX/XX/2018 stating they removed the bankruptcy from my consumer report. They went as far as to send me my consumer report and it shows no records being found under the Bankruptcy records section on my report. 
For Equifax to reply that it was verified as accurate was a blantant lie and they tried to deceive me. That is a clear violation of Fair Credit reporting Act 623 which is clear injury to my credit report and credit score.

I am enclosing all of my proof here.