WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
On XXXX XXXX, I was contacted by XXXX XXXX XXXX a loan officer at a company titled XXXX XXXX in Southern California. I was looking to gain information regarding refinancing my home via a 5-7 year adjustable rate mortgage. 

XXXX XXXX, later that day sent me correspondence for a 30 year fixed loan and an ARM loan, the ARM loan being not what I wanted, he said but did not tell me why I did not want it. I explained to him that I wanted an ARM loan due to it not needing an appraisal or pest inspection and the fact that it also offered me a lower rate. 

When we spoke again, I was told he had found a 30 year fixed-rate loan and no inspection or appraisal would be needed. I explained to him then for the first of many times, I could not afford the inspection and appraisal. At another time he told me that unfortunately, the appraisal would be required but he would assume it in the cost of the loan, not to worry. 

I decided to go ahead with the 30 year loan because the apprasal would be assumed into the loan and the old pest report could be used.

Time passed and he called me back and told me he needed a copy of my debit card to submit to the underwriter to get the loan approved ( that without the debit card print out the underwriter would not approve ) but he would not run it. He told me that he could find a way to assume the appraisal cost of {$600.00} in the loan. I agreed after again, telling him that I had no money in the account. To make a long story short, the appraisal that should n't have been required, was ordered by XXXX XXXX and the debit card was run, debiting {$600.00} from my account. I tried to handle it on my own. I canceled the pending refinance and chose another Iender and wrote the President of the Company regarding the Matter. I told them what happened and requested my money back I was contacted by the company twice, but only given the run-around. I do not understand why these companies are provider so much leeway to take advantage of consumers. Thank you. 

XXXX XXXX
Transunion dispute number XXXX. I am not allowed to view the details of my dispute. This dispute was initiated on the XX/XX/XXXX. Upon investigation on XX/XX/XXXX I saw that my dispute began XX/XX/XXXX that day has not yet passed. I have tried to access the information via internet and phone. I 'm given an error message that states my information can not be accessed at this time. When I call there is no information about anything available pertaining to my case number
I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XX/XX/XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XX/XX/XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX Bank
Student Loan Finance has been reporting my file to the credit bureaus illegally with 120 day lates month after month. I have tried disputes with the credit bureaus 4 times and nothing has been done. Please help
I have tried on multiple occasions to try and get information correct on my credit report. Experian continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.
I have at great length described the trouble I have experienced since 2008 with my modification applications for my home, a negative arm XXXX loan which has ballooned out of proportion during my applications. 
I did file a complaint against XXXX. But in the mean time, my loan was sold to SPS, a new company which continues to press me with modification applications even though no such application can be successful unless XXXX -- and the investor XXXX -- consider the numerous mistakes that were made during the modification process and then look for a solution. While reviews are under way, SPS continue to press me for documents, for filled out application forms, and threatening foreclosure on my home.
Closed on new home XXXX, XXXX, XXXX. XXXX XXXX XXXX Bank underwrote the mortgage and assigned it to NationStar aka XXXX XXXX for mortgage servicing. The first mortgage payment is due in XXXX weeks but I have not received any information from NationStar such as : account number, contact information, or any other information about available methods for making the mortgage payments. I have serious concerns about this servicer. So many negative online reviews and complaints about NationStar including negligence, gross errors and fee demands for missed payments and such. I need to know what legal means I can use to be sure I have an appropriately set up account, appropriate 'due ' dates and secure, efficient method to make timely mortgage payments. I have emailed the XXXX XXXX XXXX bank mortgage broker and my attorney for additional assistance. Please advise re further options to expedite the NationStar loan servicing issues. 
Thank you
Experian send out disputing results with a statement of items have been updated but you can see the problem right away.
I signed up for a delta platinum credit card with a XXXX bonus skymiles offer. The terms of the offer were that I had to spend {$3000.00} in three months, pay a {$190.00} annual fee, and receive these miles. I spend {$3000.00}, some through merchants, and a portion by purchasing American Express Serve card loads. After completing the spending, I called customer service, and they told me the money was spent and I was set to receive the bonus miles on the next statement. I never received the points. I called customer service, was transferred around for hours with no resolution. They told me they would open a claim into these missing miles. I never heard back from American Express, so I called them six months later. They told me I was ineligible to receive these miles, since somewhere buried in the terms and conditions was a provision that spending money through serve was not counted as spending. My issues are 1 ) in the beginning, the agent told me I had met my requirements. Had she mentioned that the spending through serve did n't count, I would have found another way of meeting the spending. 2 ) When I called to ask why I did n't receive the points, I was still within the three month period. Had I been given a direct answer right away, I could have spent money in another fashion to meet the deadline. 3 ) They promised to get back to me and never did. 4 ) When I spoke to American Express 6 months later, they informed me why I was ineligible to receive the bonus. When I explained my grievances, they were cold and refused to honor my request or even give me some form of compensation. They even refused to refund my {$190.00} annual fee.
UNABLE TO CONTINUE WITH MONTHLY PAYMENTS ON PROPERTY DUE TO UPSTART OF NEW BUSINESS VENTURE AND THE DEPLETION PERSONAL ASSETS.
Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.
XXXX XXXX, XXXX @ XXXX XXXX legitimate business to check your credit .credit is not bring reviewed by a prospective lender .laon application number XXXX XXXX And XXXX declined by XXXX XXXX XXXX XXXX XXXX XXXX decision XXXX decision experian bankruptcy applicant XXXX approved credit investigation medical records {$26000.00} no treatment five hospitals district of columbia
Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.
I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.
I have had a Wells Fargo credit card for almost 2 and a half years. It's a secured card. When Inopened the account, I was told the would be graduated to an unsecured card after 12 months of ontime payments and the balance is paid in full every month. I did that for 18 months straight. When they were questioned about why it had not graduated, 3 different reps gave 3 different excuses. I finally quit paying the balance in full every month because they kept giving me excuses. I even got an unsecured card from XXXX XXXX XXXX for the same limit as my Wells Fargo secured card. Furthermore, they have increased my limit by {$100.00} 2 months after getting the card. Yet, Wells Fargo refuses to graduate the card. This is false and misleading so they can keep and pocket the security deposit or not pay the interest on the deposit as they had promised. Finally, there have been times where Wells Fargo does not report it to my credit bureaus unless I complain. This needs to stop before I contact a lawyer and go to all of the media outlets. The reps have even been rude and abrasive when questioned about these issues. One rep stated if I don't like it, they can close the account and I can go somewhere else!! Really??!!
On my car loan its says XXXX finance fee ... but I am being billed at {$15.00} a day. Does the finance rate and the cost per date ... add up ... I have paid {$4500.00}. In XXXX months and only about {$1300.00}. Has been applied to the principle ...
I was contacted by " XXXX XXXX '' said he was calling from worldwide recovery and claimed to be in the legal department. they are using an auto dialer.. and requesting alot of personal information.. where Im living and my building number. also, said he were collecting on behalf of EQR for a broken contract. 

I spoke with EQR and we have a settlement agreement already on the outstanding debt. and they confirmed they are not affiliated with the said : world wide recovery company or Credit Management.. 

These people call me all the time. from different numbers XXXX, XXXX, XXXX, XXXX Etc. constantly threatening legal account. they say there are court processors. and filing a case against me. they tell me there send court processors to my house and work place. and they have warrants issued for me and my employers has been verified. Etc. 

XXXX man screamed and cussed at me then hung up on me.. XXXX Way to represent the Federal Courts XXXX XXXX Processor/ Attorney. ) they never say the calls are recorded nor identify where there calling from ( only say its a personal and legal matter and address everything by their names. ) I have had my number registered over a year on the XXXX list. and these people do not care.
Stearnes Lending continuously posts my payments 15-18 days after they receive them via ACH through my bank 's bill pay.
Attached is my government issued state id, Inwhich is my only address, all other addresses on my report should be removed
I filed a complaint with Transunion on XX/XX/XXXX regarding an account on my credit report listed as XXXX/Acct # XXXX. My dispute obtained information stating that the account was over 3 years old and it should be removed due to the statue of limitations in SC is 3 years for debt collection. The response from Transunion was " Verified as Accurate '' ( see page 2 of my attachment ) I did a little more research and looked thoroughly at my previous credit reports ( see attachment ) and found that at one point the same account was listed as XXXX/Acct # XXXX ( see page 4 of the attachment ) and it was deleted from a prior dispute and at that point the information was listed as XXXX with the same account number and possibly XXXX. I took another look at my Transunion report with an issue date of XX/XX/XXXX, the same account # under a different name ( see page 7 of the attachment ) I need this information to be corrected, updated, and deleted from my credit file and sent an updated report to reflect the changes. Thank you for your assistance with this matter!
Bank of America refuse providing me a information about my mortgage, this is continuation of case # XXXX, I run out space, I have XXXX more Question. 
XXXX. Before the transfer, what was the balance of ending non-interest bearing principle $ XXXX
National Credit Adjusters calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XXXX/XXXX/16 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.
the bank put a hold on my account in  XXXX   2016  and holding {$890.00} funds in the account since then. they will not give me any valid reason or provide me any assistance. they did not tell me how long they going to hold the funds or when they going to release the funds. I tried calling them several times during la st one year, they always make some excuses and will not let me talk with a supervisor either. after on e year, I am out of my funds with no positive response.
Wells Fargo contacted me regarding a debt I am disputing after XXXX Eastern Time on my home phone, a New York number. This number is also listed as the least-preferred method of contact, and they did not once attempt to contact me on my preferred number. Upon questioning the agent who called me, I was told they had attempted numerous times to contact me at a number I had never heard of before. As a result, they were not able to reach me until one month after the account had been in collections, thus further negatively impacting my credit history.
There is a purchase on my credit card where I never received any merchandise. There is a tracking that shows it was left at my door, allegedly. XXXX $ + worth of merchandise left at the door? Doesn't sound real to me. 

I would like Navy Federal DISPUTES team to look into this. Not the useless " Fraud '' team. 

XX/XX/2018 XX/XX/2018 XXXX XXXX CA XXXX - {$2100.00}
ChexSystems is reporting to some banks that I have negative information on my report but I do not and will request a copy of my report they refused to provide it as is required by law.
Contact with XXXX and Ocwen and Prior home owner. Paid over 30,000.00 into home tried continiously to contact for information and payments no call back and would not connect me to agent. I finally got through right before they noticed of foreclosure stated there was a bankruptcy, there was not! Tried assumming loan they said to late this was before foreclosure. Called constantly and passed back and forth between XXXX and ocwen then directed to XXXX no listing ... Received harrassment XXXX XXXX to vacate my money is gone me and my childrens things are in our home. Prior owner came and his family becoming violent and destructive to property. I have my agreement signed I have tried even to just forget the previous XXXX as a loss to not have to loose the home for my family previous owners no longer wanted and scammed along with the banks to take our money. As a single mom I have little and losing more is devasting and then through in the abuse to me and my children. What bank does not want money? Its odd to me that I can not even refinance with the bank since the for sale ny owner was a scam. Did they scam me too? No one will answer, I have emailed, called and still no one has an answer .... homeless with a home ... how is this possible?
I got a mortgage from PNC Mortgage for my home. When applying for the mortgage I was told by my loan officer, XXXX XXXX, that I would be able to make bi-weekly payments that would be applied to the loan immediately and not sit in a holding account until the second payment arrived. I am now finding out that PNC 's bi-weekly payment plan holds the first payment in an account until the second payment is made, forming one monthly payment. Being able to make bi-weekly payments that are applied immediately to the loan was the main reason I chose PNC, but now I have learned that I was lied to. The conversation I had with XXXX was on a recorded line and I asked him this on XXXX separate occasions. This is the second issue that I 've had with PNC making false advertisements/claims to me on a recorded line XXXX XXXX call would have been around XXXX XXXX give or take a week ). Their actions are unethical and illegal.
I Have been struggling because I have XXXX XXXX and I had a progression or an XXXX XXXX, and I called up The first week of XXXX to talk about the fact that I had missed the XXXX payment and was going to be late on the XXXX payment. I asked about forbearance and was given The opportunity to spread the payments out between XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. The gentleman was very nice and he mailed me a letter dated XX/XX/XXXX so I mustve called in XXXX to say I was going to have problems not XXXX, and the letter reads that as of XX/XX/XXXX the total past due amount on your mortgage is {$2600.00} this amount includes all past due payment of interest and principal and escrow if applicable as well as late charges And amounts that we have paid on your behalf service or advances. Then it set up a three month payment schedule for me of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for paint {$2500.00}. When I attempt to make the arranged payment I am unable to make the payment as scheduled and I am told that as of XX/XX/XXXX I owe more than {$4500.00}? I make the XXXX mortgage payment anyway and then receive letters telling me last week I am now three months past due and owe over {$6600.00}? Then when I start making phone calls I start being passed from one person to the next to the next being told all kinds of lies and stories about money Stu and find to do and Im holding the ladder and asking questions and it was me that had called and asked for help and this is what happened. I need some help I dont wan na lose my home and all I did was miss onXXXX payment and I cant make any payments and they wont let me make any payments. Theyre making me pay more money than I owe and theyre asking for money that I never owed. Please help me. 

Then, in XX/XX/XXXX I mailed a payment into them and they applied it erroneously to someone elses account. When I asked where the payment was they finally looked for it and discovered that it was erroneously applied it to someone elses account almost a year later. This was not only not fixed they moved around monies and allotted all kinds of fees on my account and refuse to credit me appropriately the right principal and interest credits. In addition I made additional payments to my mortgage, instead of applying the payments to the principal as I applied them they didnt apply them at all. They didnt return the money to me they just wrote unapplied payments and kept the money and never applied them anywhere. If you look at the statements which I made screenshots of and I have attached here they just kept the money and didnt give me credit for it all nowhere. Then I called in to question the payment and I had mailed and payments that hadnt reached them yet, And the man on the phone told me that if I gave him the account number he would make sure that any of the paper checks that were mailed in were torn up. So I gave him my account number and the paper checks were not torn up and instead they charge me nonsufficient funds fee is and when I called up they apologize never remove them and theyre in my account anyway. This is a disgusting servicer and I want all of this corrected please. Can you please help me?
I have disputed this credit report with all XXXX credit bureaus previously. It was removed, after the corporate office contacted me and it was proven that I did not owe {$51.00}. This company has attempted to add this to my credit report several times ... and each time it has been proven I do not owe the balance. XXXX has contacted myself and this collections company to state the balance is invalid. Each time this has been disputed it has been removed. I want this company to stop placing invalid items on my credit report. I want this collection removed from all XXXX credit bureaus.