WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from a collection agency in XXXX 2018 stating I owed for a credit card I had allegedly opened. I responded with a general letter stating I wanted to see my signature for this credit card I had allegedly opened. The collection agency responded with a statement of balance due but nothing concrete proving this account was opened by me. I then sent another letter, this time making it absolutely clear that I had not received that I requested in the previous letter and I wanted to be provided with the signature given when the account was opened. Once again, I was not provided with the information I had requested. Instead, I was sent an itemized summary of the billing statements. I made it very clear I wanted to see a signed document, but the collection agency has failed to provide me with one.
my mortgage companyforced us to have the taxes in my mortgae and they were responsible to pay them and nowthey failed to pay the real estate taxes and now the property is going up for tax sale
I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX  with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
There is is a class action suit against CITI card holders for charging too much interest. I received a letter in the mail stating that I may be one of these customers.
Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance.
This account has been on my credit report for over 7 years. I have sent the company letters in the past asking them to send proof that this was my account. To this day I have never received anything.
Our Clients XXXX XXXX and XXXX XXXX applied for a Loan modification through PNC Mortgage. They were denied all Loan Modification Products and we were informed that they had no right to appeal their decision. We ran a REST report which clearly indicates that they do qualify for HAMP Tier 2 and the NPV is positive. We filed an appeal to their decision to review the Loan Modification again. When we called PNC to check on the progress of the Appeal, we were informed by the Relationship Manager that the file was not in review at all and they did not intend to do anything at all except move forward with Foreclosure. Under the guidelines and laws that apply to HAMP we completely ignored. The clients have NEVER received a loan Modification in the past.
In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with XXXX XXXX was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get XXXX XXXX to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.
I have my home in 2003 and I 'm still paying for PMI on my mortgage. I thought that this insurance will drop after 10 years I was told. My loan has been sold couple of times. My Also I 'm experiencing problems with my escrow balance. I need assistance with this Mortgage Company. They ca n't explain to me when I ask then where did my money go if I send a check for my shortage on escrow. I paid in advance and they still inform me I 'm short but I paid the balance in full. My concerns are PMI and Escrow.
I have a collection agency by the name of Caine & Weiner trying to collect a debt of {$100.00}. This debt is from a company name XXXX that I charged a fee for their dating service on my XXXX XXXX card. The amount they have in collection is not the amount I paid for the service. 

After several attempts of trying to reach out to XXXX regarding problems with the service they were providing I contacted XXXX XXXX. During and after the time I signed up with XXXX I was unable to get in touch with them nor did they respond to my emails. XXXX XXXX reached out to them as well and they did not respond. After XXXX XXXX investigated the charges they found cause to credit my account and not render payment to XXXX. Currently, XXXX XXXX XXXX is trying to collect the amount that XXXX XXXX credited me on my credit card.
GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX
On XX/XX/XXXX, I received an email confirmation from Navient that they had received my income based repayment application. I received another email from Navient on XX/XX/XXXX confirming that my income based repayment had been approved. OnXX/XX/XXXX, I received an email from Navient regarding auto debit payments. My monthly payments were increasing to {$290.00} from {$28.00}. The document stated to make sure to apply for income based repayment or my payment will be XXXX. I emailed Navient on XX/XX/XXXX stating that my IBR application was approved onXX/XX/XXXXand my new repayment plan did not reflect an income based repayment. I asked for my income based repayment plan. OnXX/XX/XXXX, I received a monthly bill for XXXX. I still have not received my income based repayment plan and now I have been provided a bill not reflecting an income based repayment. I sent another email asking when I would receive my income based repayment plan.
On XX/XX/2019 I was lied to about shoes. A man on XXXX was saying XXXX   for XXXX dollars. I texted the number he gave me his XXXX app name and disappeared. He stop responding and blocked me from everything. I have screenshots of everything we talked about. I went to XXXX app and they said there was nothing they could do and to contact my bank. I called Capitol One and they told me to wait until it clears and then dispute the charges. I dispute the charge but they tell me there is nothing they can do either because I transferred the money already.
I have been fighting with XXXX/Transunion/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
Calls about a debt that was covered by Georgia Medicaid for a XXXX ( XXXX hospital ) stay for my daughter over two years ago. I have no idea who this company is.It was XXXX XXXX in XXXX. Called them about twelve times and told them I am not responsible for this bill then they sent it to Optimum Outcomes at phone number XXXX XXXX XXXX which has been harassing me for over two years during which time I have had XXXX. My daughter is XXXX now. 
called XX/XX/2018 XX/XX/2018, XX/XX/2018 XXXX XXXX ,XX/XX/2018 XXXX XXXX,XX/XX/2018 XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, so many more over two years. The phone rings when I am at work and is harrassment.
SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
I sent a copy of an FTC affidavit of identity theft and a police report to all   XXXX   bureaus. By law they must block the information from my credit reports. To date,  XXXX  complied but Equifax has only deleted on account not blocked the information they were required to and I can not tell on   XXXX   if it has been blocked or not.
I asked for validation of this debt and it was removed from my credit report. Today i wake up from an alert saying that it has been re added back to my credit profile. First and moremost a deletion reinsertion is a direct violation of FCRA. I did not receive any written notice about this debt getting added back on my credit report. To my knowledge if they DO NOT notify me in writing, it is an instant violation of FCRA, which carries a {$1000.00} fine PAYABLE TO ME. 

In accordance with the requirements of the FCRA as stated below : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to be undoubtedly upset.
Capital one closed XXXX of my business accounts because they claim they needed an EIN number, which they have on my other card for same business. I received no letters or calls to warn me of this account closure or to request information. They say they sent letters and now today after 2 days on the phone, a rep said they did try to call. Their reps are not on the same page and must not have access to the same information. New information seems to materialize in their favor the more time I spend on the phone them! 
I have XXXX other cards with them, XXXX being a business card with the same info as the account they closed. They also took XXXX rewards points and applied them to my balance. 
I called them and asked them to reinstate the account and they keep saying they can not and that because they did not receive the EIN info by said date that they had to permanently close the account. They are claiming that it is against federal regulation to reopen this account. Their reps are dismissive and condecending. They do n't really seem to want to rectify the problem and they are not forthcoming with the truth regarding their choices. 
I am a very unhappy customer and am considering closing down all of my accounts with them.
Combine my wife and my income, the total is about {$XXXX}, yet the reason for denial is excessive obligations in relation to income. Your typical rubber stamp denial for minorities.
I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I ordered merchandise on my XXXX XXXX   credit card for {$240.00}. I have recently moved and changed my address on this account, but my old address came up as the default address and the merchandise was sent to my old address. 
Once I realized ( within 2 days ) that the package had been delivered to the wrong address, I notified XXXX, but they claim that I am still responsible for the full amount of the purchase even though I did not receive it. 
As soon as I discovered the mistake, I went to my old address to check on the package. It was not there, the apartment is vacant and my old neighbors did not see a package. 
I have been corresponding with XXXX since then, only to have them consistantly tell me that they will not refund my money and expect me to pay the full amount. 
I did make a payment today of {$60.00}, which now includes a late payment, but do not believe that I should be responsible for merchandise I did not receive.
On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.
XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On Equifax the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.