WillisBack/dataset-financial-user-claim huggingface dataset:
Despite all of my previous written requests ( with tracking through Certified Mail ) for Experian to provide me with the physical documents, the name of the person in their company who verified that disputed accounts are accurate and belong in my file, and what documentation did they use to verify that these accounts are accurate and belong in my file, Experian ignored my rights and instead told me that they 're labeling my dispute as Frivolous. 

Frivolous is defined as, having no sound basis, or lacking in seriousness. However, I can assure you that the laws defined in the FCRA are of sound basis and should be taken very seriously. 

Experian 's actions clearly demonstrate that they are in violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and Experian 's responses to them. 

XXXX Law Dictionary, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian 's written response states that Experian has reinvestigated these accounts, and verified them as being accurate, however, it is obvious that Experian has not verified any disputed account physically, as requested because Experian has n't provided any such documentation from the Creditor maintaining the account with Experian. 

All Experian has done is relayed electronic information given to them by other sources, and now Experian is attempting to shift the burden back to me to prove that the reported items on the disputed accounts listed in my dispute letters are not valid, which is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. 

I am drawing the conclusion, based on these stated facts that Experian does n't have any proof on file to verify that these accounts belong on my file. 

When we go to litigation Experian will be required to produce the documents they used to verify these items through the discovery process, and since Experian does n't have any documents in their files verifying that these items are valid, then that will be proof that Experian did not properly verify the accounts, and they will have to be deleted and I will be entitled to monetary damages for defamation of character. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly DELETE all information which can not be verified. These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 of the FCRA ) if Experian fails to comply with Federal Law.
I have continuously tried to dispute this collection off my credit report because it is reporting negatively and hurting my personal life as far as being able to get approved for lines of credit and purchasing a home.  XXXX   XXXX   XXXX   XXXX  has yet to validate that I owe them a debt. In the paper they sent me it has a computer generated signature and not a original signature. It has not been validated and once before deleted off my report and as of  XXXX   XXXX  2017  it reappeared.
Wells Fargo did not tell me that I personally had to submit an enrollment verification. I was told this was done through the clearing house and my enrollment in school would be verified. However they did not do this and my student loan was subsequently charged off at the end of the month. I received no phone calls from XX/XX/2016-XX/XX/2016. I received a phone call today stating that my enrollment verification was not received. Who knew that I had to send it in. I received an email from my school on XXXX/XXXX/16 that my registration was finalized and I was officially enrolled in school. I spoke to " XXXX '' who was very condescending and pretty much told me I need to own up to my faults and take responsibility for my actions. I find it very sad and disheartening that it took for my loans to charge off in order to get any type of payment help. But that is very much a different story. I have repeatedly asked for help to no avail. But I digress. " XXXX '' basically told me that I should seek another loan to pay them off or ask my job for the money. How unprofessional is that?! Regardless I set up payment arrangements to begin paying off on my wrongfully defaulted student loans. I think that this should be reversed and my loans put on an in-school forbearance. She solely went off of what the girl put in the system when she spoke to me. She is allegedly reviewing the tapes to see what was actually said. Let 's see if I get a phone call back. I still have n't heard back from XXXX and that was about 3 months ago. I am just frustrated with them. They have got to be THE absolute worst company to deal with. Their staff can be very combative and aggressive, nobody is every really very pleasant and when you call them out on their stuff, there is conflict. That is when they go on the defense and the conversation goes south quick. I hope maybe this time I can get some help or clear guidance on how this works, what was actually supposed to be done, and what the purpose of the clearing house is if they do not regularly check it. This is probably all over the place but I am frustrated and upset that this has happened to me. Somebody dropped the ball and now I have to pay. And of course it will be my fault, because with them the consumer is never right.
I was trying to get a modification with XXXX XXXX XXXX in XXXX after my wife lost her contractor 's job with the federal Government and I had a life changing event XXXX due to an unfortunate accident. 
In the middle of the modification with XXXX XXXX XXXX they sold the servicing rights to Nationstar Mortgage L L C who has been reluctant to work with us over the last two years they started foreclosure proceedings even had a sale date of XXXX/XXXX/XXXX through their lawyers XXXX and Associates in XXXX Maryland, please be advised that I have attended meditation and have submitted several loan modification to Nationstar Mortgage which got lost in the shuffle somewhere please be advised that since acquiring this mortgage in XXXX myself and wife was never late or missed a payment until our unfortunate situation in XXXX. Nationstar denied our modification over and over again and each time ask us to resubmit an application which we did as recent as this month of which they gave us an alleged modification for 4 % interest rate which require a {$10000.00} down payment with a monthly payment of {$5400.00} without a a breakdown please bear in mind my current monthly payment which I am trying to modify is 4.2 % interest rate with a monthly payment of $ XXXX find this to be unfair and at this point I considering filing Bankruptcy in order to keep my home Nationstar is not very helpful and is not playing by the rules also. I have a lot documentation from their attorney telling me one thing while they are doing something else. 
Please investigate this matter we need help.
I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX XXXX FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX CO, XXXX CARD, XXXX XXXX/XXXX, XXXX CO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX , XXXX , XXXX XXXX, XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES
I have been the victim of identity theft. After signing up for credit monitoring services, I noticed a total of 14 unauthorized inquiries. I submitted an dispute to Transunion XX/XX/XXXX notifying the of the fraudulent inquires but after their investigation, all of the unauthorized inquiries remained. I filed a XXXX police report # XXXX. The inquiries are listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
VIOLATION OF TCPA WAS TOLD TO CEASE AND DESIST IN XXXX/XXXX/2014
I have noticed that periodically and without warning, Navient will lose or erase my scheduled payment from their system. I recently had this happen this month after I scheduled a payment to process XX/XX/18 on XX/XX/18. I checked my account online this evening and noticed I had no scheduled payments and no payments posted or processed. So I scheduled another payment this evening for the same amount as before however now I am paying 3 extra days of interest ( which may be why they are doing this ).
My mom died in XXXX and because of the dying process her credit card payment was a day late to the credit card company XXXX. I called and they agreed to waive the {$35.00} late fee. They then sent a bill with more late fees for not paying the late fee they agreed to waive, I called again and they said it wasn't processed because their person forgot to ask me for a death certificate. I mailed the death certificate. They then sent another bill with more late fees and when I called, said they received but couldn't find the death certificate. The death certificates cost more than the late fees and they are continuing to harass us for continually compounding fees.
Went in to apply for a mortgage and when credit was pulled was told ditech reported home as paid off in XXXX, yet I am still receiving a monthly bill. Was advised to file a complaint with the cfpb. Have tried to contact ditech before about issues with how much was actually left on loan. Have been shuffled around on phone with no answers.
I have had several loans with Conns and this month I was unable to make a payment due to having a baby and a miscalculation while paying my bills. I called 3 days before I was due to let them know I was unable to make a payment until the first because we are on my husband fixed income ( va XXXX ) that he receives once a month. I was told that I would have to let my account go 30 days past due to receive any kind of help and they call me everyday, and every hour if I do n't answer, to ask me the same set of questions. They tell me to ask family members for help paying. I feel as if I am being harassed for having one late payment because they have been doing this for the last 10 days with only a one day break.
I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I currently have requested enrollment into the SCRA/Sailors and Soldiers Relief Act through Citibank for the 2 credit cards i have. i have spoken to Citi Customer Service multiple times. During the conversations with customer service the SCRA reps at Citi explained i should have already been enrolled. if i provided the paperwork they could enroll me. I have provided all required paperwork and each time i get a written response explaining they weren't able to enroll me. after multiple attempts my interest remains at 29.9 %
I visited the web site " XXXX '' to secure the XXXX free credit reports that are to be available each year. I had not secured any free credit reports over the last XXXX years or more. I followed all their instructions to get the reports on line. I filled out their forms and provided all the information requested. After a few seconds I was advised that my reports could not be prepared and suggested I order the reports by phone. There was no explanation as to why the forms were not available. As a result I will have to go through this process again and will have to wait for the reports to be sent to me. If they had conveyed the nature of the problem I could have reacted and solved the problem.
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Fax XXXX XXXX XXXX Account Manager XXXX XXXX. 
Case Number : XXXX Last Name : XXXX XXXX Phone Number : XXXX ext XXXX Regarding : He is calling for a personal business matter. 
w XXXX  XXXX XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from Wells Fargo account Account gets and outstanding balance of {$300.00}. 

Customer ask to reverse {$300.00} back to Wells Fargo but the money never made to his account. Customer called inquire about the reverse status of the account XXXX  XXXX XXXX representative instructed customer to contact his bank Wells Fargo. 

Wells Fargo re ensure money never made to the account and reverse the charge. 

XXXX  XXXX XXXX Open a investigation and issue a letter stating that : " They issue the refund and is wells Fargo responsibility to conduct the research. '' Because XXXX XXXX XXXXXXXX claims that customer was refunded and reverse charge occurred on XX/XX/XXXX. Costumer account reflects a negative balance of {$300.00}. 

XXXX XXXX XXXX Letter is attached.

Customer call wells Fargo Multiple times and customer is inform WellsFargo never received the money but they can't provide documentation.
This is showing up on XXXX and Equifax. I have attempted to contact XXXX XXXX XXXX XXXX and XXXX XXXX, and all I got back from them was " Fill out this form '' which I did and submit it. After that, it showed up on another credit reporting agency, bringing my credit score down when I am trying to buy a car. I asked my loan officer and she said, " Fill out the form again. I don't handle disputes. '' How's that for customer service??
Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.
I received a call from century financial. My main concern is that the number they called on was not their number!! it was actually the number of my daughters XXXX office which we paid off 3 years ago when she had her XXXX. I believe they can not falsely identify themselves and they certainly have! I do n't understand how they can call on a number i have saved in my phone, but I think it 's wrong and I do not think they should be allowed to do that! Very disturbing and bad business practice. It wasnt even my debt!!!
I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. XXXX on the other hand. No so receptive. I've made multiple disputes we with XXXX. I had a Mobile home loan opened in XXXX with Navy Federal Credit union. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. XXXX   is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ Navy Federal ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that XXXX contacts him. XXXX is requesting Navy Federal to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call Navy Federal the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
I have a loan with MERCEDEZ BENZ FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and MERCEDEZ BENZ FINANCIAL with no successful resolution. XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Have been called over 10 times a day from different numbers but all are the same company as they are attempting to mask who they are. They are advising to have a representing attorney contact them to resolve the matter or they will escalate further. Which feels like they are harrassing/threatening me.
I cancelled a no cash out, refi of my primary residence with : Finance of America Mortgage LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX # XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Notification was sent the day after closing. They have not returned my funds. They do n't answer my attempts to contact. I 'd like all my money back. How do I get it? Thanks. 

Best Regards, -XXXX XXXX XXXX XXXX
XX/XX/XXXX-received a call to pay remainder of debt by XXXX XXXX XXXX, I insisted the debt was paid in settlement on XX/XX/2017, which was ignored and alleged that a payment was not met. On XX/XX/XXXX-learned MCM failed to report accurate information to the credit bureau and to my account in an attempt to keep the debt open and active. Now, refuse to speak to me after I have obtain the validity of the settlement agreement MCM, XXXX XXXX made with Banks, XXXX and XXXX attorneys of XXXX XXXX XXXX.
I have XXXX savings accounts with USAA. In XXXX and XXXX of XXXX, they debited my accounts in error. It took several phone calls & several hours on hold, but on XXXX XXXX, XXXX, a USAA rep told me that my accounts would be credited back for the unauthorized debits with effective dates retroactive to the dates the errors occurred & that the interest earned on both accounts would be corrected to reflect the correct balances for XXXX and XXXX without their errors. I was told the corrections would take 3-5 business days. Finally, the errors were reversed ... but using the date XXXX XXXX, XXXX, not the dates the errors occurred. The interest was not recalculated. 
I have, again, spent hours on the phone trying to get my accounts corrected to show the proper interest I was due. ( XXXX XXXX, XXXX, was my last phone call concerning this. ) My accounts have not been adjusted for the correct interest earned as of today, XXXX XXXX, XXXX. 
The amounts involved are minimal, but it is my money, not theirs! I wonder how may other accounts have had errors with USAA cumulatively earning many dollars in ill-gotten profits from this practice. 
I do not have the capability of attaching documents to this complaint.
Worked with billing processor for 3 + months to resolve balance. XXXX sent by check from XXXX  XXXX account which was not applied to correct account. Biller did not send claims to insurances based on coordination of benefits. Took all info into dental office to assist employee in billing claims properly. The {$1500.00} the insurance sent was received by dentist office but not applied to the correct account nor were the claims billed to primary, secondary and health savings account billed in the correct order based on insurance guidelines.
Complaint was sent to Aldridge Pite Haan. Complaint # was XXXX. Based on XXXX XXXX XXXX 's letter on XX/XX/2018, XXXX XXXX XXXX has completed its investigation into my fraud claim and has notified to Aldridge Pite Haan LLP that it has determined the fraud claim to be invalid.

I am requesting notification letter of the investigation : 1. fraud claim validity 2. relationship proof between XXXX XXXX XXXX and Aldridge Pite Haan LLP .
I have a few medical debts that i have been paying on since 2012 and the balance will not go down.
Want to know why citi group is blocking lawful XXXX owners from buying guns. This a violation of the second second amendmen. Lets not forget that my tax dollars bail you all out as well.