WillisBack/dataset-financial-user-claim huggingface dataset:
I've.treid what I've believed to be every thing that the company XXXX XXXX asked for to no avail the company gave me the runaround .form one person to another it was always something else .never got the.honest answer form any of the agents at both levels.it started XX/XX/2018 till XXXX. Of XXXX. The amount of money can form military and Social security disability.for the amount of XXXX dollars I was denied recompense because they said they never received the paper work that was asked of me I have record of dates and times I submitted the ivedest of my complant.sencerly XXXX XXXX XXXX. Phone number ( XXXX ) XXXX or ( XXXX ) XXXX thank you for your serves.
I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.
In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.
Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with Advance America a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his Auditor at XXXX XXXX and the true company XXXX XXXX XXXX has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his auditor XXXX XXXX and refused to give his address or contact information. I was informed to call Advance America, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is XXXX XXXX XXXX and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about XXXX- {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.
I had several student loans with XXXX that were paid in full. Several of the loans were reported as PAID IN FULL while 2 of them were marked as delinquent when in fact they were also PAID IN FULL. I contacted XXXX about the problem and they admitted that it was an error when reporting the accounts and that they would fix it. However, it has been on my credit for a couple of months and has not been resolved.
Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.
Since 2014 I had been a member of XXXX XXXX an overseas bride service. Although there had been suspect acclivities I had mentioned again and again to their customer service these concerns were explained away as technical problems with the XXXX operating system. the slowness of the XXXX internet, women misunderstanding the translations, or complete denial all together. Whatever it was that I brought up there was always deflection and lame excuses involved. Only after several attempts at trying to meet one of the women members in person failing for stupid reasons like not showing up at the airport saying their father had a heart attack then why would this same person be online within the next day making auto replies to other men like, " if I was in the shower would you get me a towel? '' This a day after her father supposedly had a heart attack and when she was supposedly so anxious to meet me, make love to me, and make a life with me, while I waited at the airport and she did not appear? After several incidents like this with these women saying things to me like they were in a sweat at night unable to sleep just thinking of our fist night together then contacting that same woman on the phone who tells me she has been talking to another man? Oh and the frequent comments such as " I have XXXX XXXX to come to America with. Will you marry me? '' I knew something was awry and that the money I'd been spending was not for a legitimate dating service at all. Then I got on the internet and began reading the complaints of hundreds of other men who had the same experience and I knew I had been had! Callas to their representatives had yielded nothing but hollow promises and either no call at all at the promised future time or promises to resolve the dispute never met! I then went to another legitimate service that makes social events and actual meet ups and talked to a partner of that company who knows one of the XXXX XXXX owners who stated that his perfect business model was that neither the man or women would never meet while they drained the member 's credit card account as long as possible! 
I even received an e-mail from a male member of XXXX XXXX   warning me of one of the women that was sending me e-mails telling me she wanted to marry me. He warned that she was a liar and if I went to XXXX I would be left waiting at the airport meeting no one! And yes this was consistent with so many of the complaints lodged by angry members of XXXX XXXX such as sites like XXXX   XXXX or XXXX XXXX. I even sent these copied and pasted comments to Discover along with page after page of e-mails, letters written to me by women supposedly madly in love with me whom I had never even spoken with. Why? Because the system is designed to seduce a man into spending money but with no intention of allowing him to ever have direct contact with a real woman who actually intends to meet him, date him, or marry him, if anything they are staff writers, chat responders working for XXXX XXXX, or phone voices hired to for the bogus overseas phone calls! Discover has absolutely no concern about resolving my dilemma even with heavily submitted evidence!
I have disputed a account on my credit report which is a XXXX card that Experian is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. Experian will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Experian Address is XXXX. XXXX XXXX XXXX, TX XXXX
My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.
We have been reviewing our Bank of America convenience check we used.  We have attached at a copy of the offer we received before using the Bank of America convenience check.We chose offer XXXX for a 0% ( 0% daily periodic rate (DPR) promotional APR until XXXX 2018.)We are being charged interest for over a year and not 0%.  Why?  It is just now XXXX 2018. This pertains to the account ending in -XXXX.
Our mortgage company is Planet Home. We had a fair amount of hail damage to our house in XXXX XXXX. This is now XXXX and we 're still trying to get Planet Home to endorse the insurance checks so we can pay our contractors. 

Every time we call, they want something else. In the beginning, they said they would have an inspector come out after each part of the repair was done -- roofing, gutters, siding, inside painting ( ceiling ) - at our cost. What? THEY want the inspection -- they should be paying for it. But of course, we have no choice. However, they said if we hired a general contractor, they would only inspect once. We did. Everything except the painting of the ceiling has been done for two weeks now. It will be done when we 're out of town later this month. The inspector came out. He said he has never heard of a mortgage company asking for any more than 90 % done, and we are over that, so we were expecting an endorsed check. We 've called and called, leaving messages for the genius who 's been 'our ' representative. Finally today she responded. Since the work is n't 98 % -- 98 %, mind you, done, they wo n't release the check. It is unconscionable to us that they expect our contractor to pay his subs -- or worse, for us to front the money - while Planet Home XXXX around holding our insurance check because the work is n't 98 % done. Additionally, now they want to ding us for another inspection when it 's finished. This is just the short story of what we have been through with this company. Every call was another adventure in the asylum. 

These people are so far out of industry standards, it 's scary. They get poor reviews on the BBB site and other blogs I 've found. We 're going to refinance as soon as this mess is over, but I want to know if there are federal rules that govern this sort of stuff, i.e. what can the mortgage company withhold and for how long, can they charge for inspections they require, etc.
There shouldn’t be anything on my credit as I have done bankruptcy years ago and mailed to all credit bureaus and most of things on my credit have been on there over 7 years but credit bureaus are so lazy to take them off, I have called, written letters and explanation of why my credit should not have anything on it. 
I even ordered my credit report from all 3 credit bureaus and they all have so many different names under my name that is not me as my identity has been stolen and I have mentioned to all credit bureaus but they don’t seem to care to even fix or take off the names that are not my name on my credit. I’m very disappointed with all the time I have wasted to communicate back and forth with credit bureaus with no respond or changes.
Dear Transunion File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,
Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again
I C Systems has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. I C Systems is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$160.00}. This is the letter sent for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the three Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation
I have disputed a couple of accounts reporting by Experian, since XX/XX/2018 which were the first round of certified mail, then in XX/XX/2018 was the second round of certified mail. XX/XX/XXXX, I received a return to sender and sent a copy of that mail to Experian. Experian has not investigated the matter and keep sending mail that the account has been updated. On XX/XX/2018 I sent out my 3rd round of certified and I have received the same updated response. They also refused to reverse the findings, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I am a recipient of XXXX XXXXXXXX XXXX XXXX subsidy payment and I moved out of XXXX XXXX at the end of XX/XX/2013. ( Proof enclosed ) The property manager at XXXX XXXX signed my approval to leave the premises during my recertification 2 months prior to my departure at the end of XX/XX/2013. A new contract was entered into and signed by the new apartment complex ( XXXX XXXX XXXX XXXX ) on XX/XX/2013. After signing this lease I moved into those apartments both the XXXX and XXXX and on XX/XX/2013 my payment for the subsidy was paid to XXXX XXXX XXXX XXXX. Although the property manager approved this moved two months prior, he did not inspect or sign off on the Move-Out until XX/XX/2013 in which they are trying to charge for an additional month 's rent. They took my deposit of {$400.00} and charged me ridiculously for paint ( {$200.00} ), trash left ( {$150.00} ), 5 blinds ( {$120.00} ), 1 shower rod ( {$10.00} ), spackle ( {$50.00} ), kit cleaning ( {$220.00} ), bath cleaning ( {$300.00} ), water bill ( {$31.00} ) and again prorated rent owed ( {$640.00} ). This is enclosed as well. I satisfied my obligations to XXXX XXXX, XXXX XXXX XXXX XXXX ( or else I wouldn't be eligible to still receive the subsidy payment ) and my new responsibility to XXXX XXXX XXXX. I don't believe I owe XXXX XXXX any monies, especially with them keeping my deposit. If you'll notice of all the charges brought against me, there is no mail box or door key charge because I put the keys in their hands at the end of my lease.
Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016. 

I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.
I contacted TransUnion and their customer service would not help and take care of the negative inquiries reporting to my credit report. I uploaded the affidavits from the FTC for the following. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union
On XXXX XXXX, 2017, I attempted to gain verification and validation of the debt via Equifax credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX
I applied to Bank of America on XXXX XXXX, XXXX for a loan modification to my home equity line of credit which was converting to very high monthly payments. I could not afford the higher payment because I am XXXX and can not work. 

I was finally approved for the loan modification XXXX XXXX, XXXX and signed the agreement dated XXXX XXXX. There were conditions, must make the payments during the trial period, XXXX, XXXX, XXXX on time. 

I was assigned a resolution case manger, XXXX XXXX. She explained how the process would proceed and that late payment information regarding the loan reported on my credit bureau by the Bank would be taken off, " just be patient ''. 
I made all payments during the trial period as agreed. 

I reviewed my credit report this week. It shows an alert. I am over 30 days late in XXXX, over 60 days late in XXXX and over 60 days late again in XXXX for this Bank of America of home equity loan. The payments were made during the trial period of the modification on time and as in the agreement. 

As a result of the erroneous reporting my credit score has dropped significantly. 

Recently, my income has decreased from what I originally reported to the Bank. I tried calling the Bank several times hoping to get my credit file corrections expedited. I called XXXX XXXX, left several messages, no return call. When I finally got through to Home Loans Department, the gentleman said I " should be glad I still have my home ''. 

Yes, I am grateful that I got the loan modification and want to make all payments on time, but I will need at least a good credit score to exercise what options I have left to help me before too much time passes.