WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 a letter was sent to Equifax credit bureau asking them validate XXXX XXXX account and a Bankruptcy Chapter XXXX. From my understanding credit bureaus are supposed to report information that is with 100 % accuracy and they are supposed to respond to my letters of dispute with in 30 days from receipt of my letter. I have attached letters from the United States Postal Services that they receive my letter on XX/XX/2018 at XXXX XXXX. ( See attached ) I received letters from the Equifax credit bureau that they " verified '' a bankruptcy to be accurate through a third party called XXXX XXXX. It was not verified through a legitimate route. To be accurate they would need to get confirmation from a the court that handled the bankruptcy or validate it through a public record not a third party. I do not need the information VERIFIED as the information is obviously on my credit report and I am disputing it. I specified that I wanted the information VALIDATED. I have a letter from the United States Bankruptcy Court XXXX  of Nevada ( see attached ) that they do not report to any credit bureaus. 

I never received any communication pertaining the an XXXX XXXX account.
bank of america gold option account has overcharged me for seven years as if I were a month late and tacked on upwards of XXXX dollars worth of fees that were misrepresented and not understandable by the statements I received. I also asked them to mail all statements and they only sent from XXXX instead missing at least XXXX statements so I have no way of telling how much they originally charged me on this loan and what the fees were. Ihave paid on time for over seven years and have bank account statement proof but they have informed me they plan to close the account as soon as is paid and this is going to ruin my credit score. also I believe I have overpaid but they are still billing me over XXXX dollars. I have gotten no help from calling as no one can tell me why the late charges are there as they can see I was never late or what those fees are. They also can not tell me where the first XXXX bills are or what the initial terms or agreement of the loan was or what the initial amount loaned was and what their initial fee was. I have paid XXXX on this loan. Customer service ranges from trying to be helpful, but having no knowledge of the account to being extremely sarcastic rude and unhelpful. This has caused a great deal of harm to me financially and otherwise. I really need help at this point because I need this to stop asap or I am going to go under. current fico score was XXXX but have had to apply for new credit so I know its all about to snowball.
On XX/XX/XXXX at approx XXXX hrs I attempted to set up my mobile app for a care credit card, after three attempts of it not working I decided to call. On XX/XX/XXXX at approx XXXX hrs, I contacted synchrony credit card company. My first two attempts to call the number, resulted in the phone line ringing once then complete silence. My third attempt resulted in the company answering the phone, but will not release any information to me bc they say my date of birth is wrong and that I have to fax a copy of my drivers license. At this point Im very skeptical of their business practice, how can they issue credit cards to individuals when they arent verifying date of births in the beginning. They issued a credit in my name name with my information but wrong date of birth. They want me to except responsibility for all transactions on the credit card without allowing me to know the dob they entered into their system and used it and will not give me any information pertaining to me as the card holder ...
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, XXXX  and Transunion remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.
I have XXXX XXXX accts that have been sold to a third party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY Experian but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}
I suddenly see an account in collections on my credit report which has not appeared as an open account for a minimum of 5 years of checking my report. Also, I have not been contacted by the originator or the collection agency regarding this debt - it simply appeared on my report out of nowhere. This account only appears on   XXXX   - it is not listed on  XXXX  or  XXXX .
I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to Transunion, XXXX and XXXX with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. Transunion, XXXX and XXXX are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX.
I got a few XXXX XXXX  XXXX accounts which are long time closed. Experian reports it as open and inactive which causes me damage. Yet Experian refuses to update it or dispute it.
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX   XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX and XXXX- 'EXPERIAN FOLLOW SUIT WITH REMOVE ASAP '
I am in the process of being reviewed for modification my for my home which is also qualifies as a senior center in the XXXXXXXX XXXX XXXXXXXX. My loan is with Wells Fargo but being held in what is " The review period prior to being submitted for review '' so that documents are being requested from my up to 12 at a time to " consider me for a modification while the foreclosure process is still taking place with a sale date set for tomorrow XX/XX/2018. 

I purchased this home with a partner who died after we moved in and I have been struggling to make payments. They have never gone down, only up - which has nearly trippled from when I first bought the home with a predatory adjustable rate mortgage. 

I submitted complaints to the CFPB regarding the Wells Fargo requesting documents from me then 3 days later ( never giving me a deadline and forcing me to scramble to get documents from the IRS not knowing if they were sending me on yet another wild goose chase ) then telling me that it is too late to review any of the documents when I got them to Wells Fargo promptly over 12 items in less than 3 days.. Asking me for proof of occupancy from my contributor THEN telling me that even if I submitted proof of occupancy of myself and my contributor even after evicting the tenants from my property, the contributor who is my partner ( we live together and have for over 3 years ) his income would STILL NOT be included in our household income and so that Wells Fargo could disqualify my from being eligible for a modification. 

I received a call after filing my complaints from XXXX XXXX in the Office of Executive Complaints and she stated that she has received all of my complaints and is in the process of researching but has just begun and said that her final decision already has been that Wells Fargo will not consider me for modification or postpone tomorrows sale regardless of the damages and before taking the CFPB complaint into consideration. 

Wells Fargo does not respect what the CFPB stands for nor their process. When my complaints have come in, all that Wells Fargo has done is sent me letter stating that they have reviewed my complaints and come up with excuses to validate their behavior and even withholding information from me about my loan and what was required of me to complete the modification process. I have to guess what is needed and even then it is being ignored. I have witnessed some very unethical behavior on the part of wells fargo and several of its employees in the Office of Executive complaints and the collections department. Also within Home Preservations. They find struggling homeowners to be amusing and play a cat and mouse game with them while they watch their homes go into foreclosure. This is not a institution that should be issuing mortgages for homeowners not owner occupied homes where this is your largest financial asset, nor treating sub prime homeowners with loans from the great recession as if they are just another penny in their coffers. This is highly unethical and clearly the culture of this institution in every department for every product that they provide under the umbrella of " Wells Fargo ''.
On XXXX XXXX, 2015, I was making a purchase at Macy 's ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and was offered an additional discount if I " opened an account. '' I was under the impression that it was a loyalty account, but was told after entering personal information that it was for an application for a credit card. I was misled because the term credit was not used in the pitch. I made an immediate request to the store clerk to withdraw my application since I did not want my credit to be checked. 

The store clerk phoned Macy 's customer support, XXXX ( # XXXX ), and was escalated to XXXX ( # XXXX ), and was further referred to Macy 's Real Time Credit Card division, who I spoke with XXXX ( # XXXX ). I was told that my application was pending and that I would receive more information in the mail. Again, I requested to withdraw my application since my application was pending. 

My complaint was escalated to XXXX ( # XXXX ), who later retorted that my application was pending, and another request to withdrawal my application since the status was pending. It was then escalated to XXXX ( # XXXX ) who revealed that my application was an automated hard credit check and was declined. 

I had no intention of applying for a credit card and was misled into thinking that:1 ) the application was not for credit or a credit related product and2 ) that my application was pending, so the application could be withdrawn. 

These predatory lending tactics ( i.e. bait & hook at the point of sale, undisclosed verbiage, automated hard credit checks ) is misleading and is detrimental to my credit rating. 

I want the application for credit withdrawn and stricken from my credit report.
CREDENCE RESOURCE MANAGEMENT, LLC with Phone # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, is continuously trying to collect a debt from me that is for a person with the same name as I. We have gone through the process with them of verifying that I did not ever live at the address in question and last XXXX digits of my Social Security Number do not match but they continue to repeatedly call. I have checked my XXXX credit report and no debts show up in collections. As of today they have somehow got hold of my company cell phone number and have called me on again about this debt. Each time they initiate this procedure they act like it is their first attempt to collect this debt. This is not the first time this has happened, I am assuming this company purchased this old debt form another debt collection agency. I had written the prior agency to inform them the debt is not mine and to end all contact. I am assuming this will continuously happen again if I do not report this to the proper agency because this has been going on for over 3 years.
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/XXXX and Experian. I asked XXXX/XXXX  and Experian to investigate. They still keep show 30 day late.
XXXX XXXX is reporting a student loan incorrectly on Experian that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC
Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized inquiries to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented disputes coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. The following are the fraudulent inquiries that I needed removed by this company : XXXX XXXX, Inquiry Date : XX/XX/2018 XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2018 XXXXXXXX XXXX XXXXXXXX, XXXX A, Inquiry Date : XX/XX/2018 XXXX XXXX, Inquiry Date : XX/XX/2018 I am attaching the dispute letter/documents I sent to this company on the XXXX of XXXX, 2018 in case they need to reference or review.
Like today at XXXX they called my cell phone and 2 minutes later they called the XXXX while my elderly parents are home taking there medication. I never gave them my that number.
Upon seeing a collection account reported on my XXXX credit report, I contacted, by Certified Mail with Return Receipt, the collection agency called XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ), on XX/XX/2017, regarding a collection account in the amount of {$1800.00}. I kindly requested them to validate the debt and give me more info on it. To date I have not received any response from them. I think the collection company is in default as they did not respond within 30 days time. In fact they never replied to my letter seeking validation and more details on my alleged debt. The collection information still remains on my XXXX credit profile and it is preventing me from moving forward, financially speaking. The collection agencies are very arrogant and defiant of consumer laws. They are under the false illusion that they are all powerful and invincible. I pray that you, the Consumer Finance Protection Bureau will reign on them and limit their power, arrogance and gross disrespect for the law. 

I can be contacted at : XXXX. 

I thank you in advance for your time and efforts in this matter.
I have homeowners ' insurance through my condominium HOA. However, Ocwen told me to get another policy that covered the interior. While I was shopping for coverage, Ocwen purchased another policy WITHOUT MY CONSENT. When I provided proof of interior insurance, Ocwen then billed me for the amount they had paid for the other policy and put that amount into my escrow, which made my monthly mortgage payments go up by almost {$1000.00} monthly. I am disputing that with them now. However, while I was away on vacation, Ocwen had people come to my condominium and plaster a yellow sticker and poster on my condominium 's door outside demanding that we call them right away or the property would be considered vacant. My neighbors saw the notices on my door and texted me pictures of them. They were very offensive, embarrassing, and could have attracted burglars because the notices indicated the property was vacant. This practice has to stop before someone 's property is burglarized. Also, they are not entitled to the amount owed on the homeowners ' insurance they bought for me because they were not authorized to do so while I was shopping for coverage, which I have and have given them proof. Ocwen is trying to extort the money from me, and I am disputing the escrow amount overage ... thus they chose to punish me by putting the notices on my door saying the property was vacant. I want the amount they say I owe to be waived and a formal apology to me.
I quit paying XXXX XXXX because I have. XXXX & lost my job. This is an very old debt and this cdebt collector will not say who they are & want they want without making me answer questions that they say is being recorded. It 's White Hammel & Something out of XXXX. For years they have called me & threatened to sue me. They said my debt will never reach a time when is it expires. How long can this go on.
I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ).
No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.
Amsher Collection Services has reported a debt by XXXX to XXXX with out Debt Verfication
Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes. 
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.