WillisBack/dataset-financial-user-claim huggingface dataset:
I sent the following dispute to Equifax on XX/XX/XXXX. 

I requested my credit report and noticed that two accounts were not listed : XXXX and XXXX # XXXX, opened XX/XX/XXXX, Credit Limit of {$1700.00}, XXXX balance owed. 
XXXX 's # XXXX ( yes same account different company ) opened XX/XX/XXXX, Credit Limit {$150.00}, XXXX balance owed. 

I receive an email on XX/XX/XXXX indicating the dispute # XXXX was completed. I tried unsuccessfully to login in the dispute site via the link they sent. I eventually called and was connected to the dispute center. I was on hold for 1.5 hours before I decided to go online and chat. That person told me to call another number and there were problems with the dispute portal. I did speak with someone in the dispute center who indicated that he could not see a resolution to my dispute he could only see my comments. 

I indicated in the dispute that because the accounts were not listed, a true credit history was not being shown and I probably received higher interest rates for the credit I did receive. I would like the initial dispute looked into and corrected. I would also like someone to look at Equifax. All the lead no where numbers, all the phony information given to consumers, like the dispute completion I received. By the time this is handled 30 days will have gone be and I will need to submit the same dispute again. Why should consumer have to go through this to get something done. Consumer 's jobs, finances, etc., depends on this information being correct and when it is not, there should be an easier way.
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.
Equifax credit reporting continue to report inaccurate information on my credit report violation of Fair Credit Reporting Act section ( 604 ) ( 605B. ) ( 609 ) and ( 611 )  Equifax has not verified third party information as 100 % accurate disputed items are XXXX XXXX XXXX XXXX acc # XXXX also XXXX XXXX XXXX acc # XXXX in the amount of XXXX, also XXXX XXXX XXXX acc # XXXX.
Around XX/XX/XXXX I authorized XXXX XXXX XXXX to perform a background check. After about a week I found out that they faxed my information to a public fax machine in a library including my SSN, address history, and DOB. Further I also found out that this company shares this information with their overseas employees. The fact that they fax this information for employment verification is appalling, any employer already has this information and should not need it to verify my employment with them. Also the fact that an entire team in XXXX has access to my personal information is very scary, there are no regulations there and US citizens have no recourse if data is breached in XXXX. American information needs to stay in America!  This needs to stop! I suggest you investigate the actions of this company very thoroughly.
I applied for a loan hardship modification with Caliber Home Loans. The modification approved and I had to sign the agreement and have return to Caliber by XX/XX/XXXX. I signed the agreement and called Calibur Home Loans on XXXX XXXX, spoke with an agent name XXXX XXXX. She stated the modification was approved and is being processed. She stated to call her back by Thursday and once processed I would received a copy of the agreement in the mail once processed. I called back to check on the status of my agreement and spoke with a XXXX agent number XXXX and she stated the modification could not be processed and due to some probate paperwork needed for my deceased mother XXXX XXXX XXXX. She also stated she do not know why the last time I called I was not told this. XXXX days has passed and I received no phone call, no letter from Caliber indicating what was needed. I am the cborr on the loan, and have the only interest in this mortgage. I advised XXXX, why was n't this communicated to me in a timely manner as I am waiting on a decision and would have to take time off work to go to my county office for this information. I am filing a complaint as they failed to communicate the proper info needed in a timely matter. My mod should take effect XXXX XXXX. When I called on XXXX XXXX, I was calling to set up an autopay to make sure the payments are on time each month, but instead I received this communication. furthermore, the interest on this loan is on a simple fee and continued to accumulate dailty. I feel Caliber need to offer some other assistance until I am able to get the documents they are requesting. When I completed my hardship, I received a letter from Caliber indicating they need a death certificate for XXXX XXXX XXXX and this was all they needed. No one mentioned anything about an EOE paper work, which I feel is not needed in this case as I am the cbrr on the loan and have been making payments to them for a while now. Plus, I would like an explanation of the additional charges that was added to my loan after Caliber took over my loan payment from XXXX in XX/XX/XXXX/XX/XX/XXXX. I requested a permanent interest rate reduction as the interest on this loan is way too high but instead they gave me a 5 year plan reduction on the modification. 

Loan name : XXXX XXXX XXXX and XXXX XXXX - XXXX. XXXX XXXX is now XXXX XXXX XXXX
I opened an account in XXXX on XX/XX/XXXX. I transferred XXXX to Coinbase, and I bought a virtual currency ( about XXXX Ethereum ) on XX/XX/XXXX. 

That same day I tried to transfer that virtual currency to another platform ( XXXX ) and my account was locked.XXXXI opened a support ticket, and I got an automated reply on XX/XX/XXXX. After that I got another reply on XX/XX/XXXX, saying that there were going to investigate it. It's been more than 3 weeks since that but still no answer. 

Following their instructions, I didn't open another ticket. I just replied the support email a couple of times to see if they were doing something but still no response.
In XXXX I uploaded three checks on my American Express Serve account and money was deposited and all of sudden reversed spoke with the company and they would direct me to XXXX XXXX and XXXX XXXX would direct me back to American Express, the management of American Express Serve said they have never seen a situation like this before and never credited me my money back, and another issue I have money that was sent from one Serve Card to this same account and American Express claims I never accepted money and therefore I can't have XXXX dollars. I am so tired of calling them and getting nowhere XXXX XXXX services as well they almost seem fraudulent and I very saddened they will not give not even a penny of my money.
On my XXXX credit report states that I have accounts in collection that have been paid by insurance that I had when I was working. I no longer work for that company and I became homeless and was living out of my car from XXXX 2015 until XXXX 2015. I do not have the paperwork anymore because of living in the car. XXXX has removed the ones that XXXX still has n't removed and I would like to have them removed as I no longer owe them and the account is paid in full.
The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : D & A Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXXToll Free : XXXXXXXXFax : XXXXXXXXE-mail : XXXXXXXXCollections : XXXXXXXXSales Contact : XXXXXXXXSales Email : XXXXXXXXComplaint Resolution : XXXXXXXXXXXX XXXX, TXToll Free : XXXXXXXXEmail : XXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes D & A Services to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to D & A Services. Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that has been rendered to D & A Services because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to XXXX-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.
On XX/XX/XXXX a three/ninety day notice from a very aggressive attorney XXXX claiming to represent a XXXX. without disclosing any debt collection notices as required by law. Soon after, I received a summons to court from Atty XXXX indicating my primary residence and home had been sold in a non-judicial foreclosure. According to my records a Notice of Sale was filed on XX/XX/XXXX then a Notice of Recission was filed on XX/XX/XXXX by Ocwen my current lender. Subsequently, no other notices were filed and I was not notified of any sale dates. I had been communications with Ocwen my lender under review for a loan modification
disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.
I called and canceled my XXXX services XX/XX/XXXX. As per their policy they sent me a box to return all of their items in. I fully packed the one large box they sent with each and every item I had ever received of theirs. I then took this box to work and had my daily XXXX driver take it. About one month later I started receiving the harassing phone calls from XXXX claiming I did not return all of their items. I did. Many phone calls, some of which were heated, ensued. They continued to harass me at home and at work until in XX/XX/XXXX I started receiving phone calls from a debt collector regarding this matter. Credence Resource Management LLC is the debt collector. They are attempting to collect {$190.00}. I do not owe XXXX or this debt collector one penny! I returned each and every item.
Cavalry Portfolio Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have FHA mortgage for 5 % with bank of America since XX/XX/XXXX. XX/XX/XXXX I had foreclosures on small land for {$25000.00}. Three years after foreclosures I went to Bank of America to apply for refinance ; 15 years mortgage, 3.0 % interest rate at that time. They refused to refinance because my foreclosures was less then 7 years. I know now that FHA mortgage needs only 3 years after foreclosures. They intentionally lied to me so they can charge more interest rate for many years.
I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam.
XXXX XXXX, XXXX a Class Action Suit In the XXXX, Illinois was conducted Case # XXXX. XXXX -- Plaintiff claimed amount $ XXXX, XXXX as defendant. Case was awarded to defendant XXXX. Court documents inclosed ; ( XXXX/XXXX/XXXX ) XXXX IN the XXXX, Illinois ; Summons ( XXXX ) CCM XXXX ; Answer ( rev. XXXX/XXXX/XXXX ) CCM ) ) & ; Complaint XXXX pages XXXX and XXXX ... ... .I submitted letter dated XXXX XXXX, XXXX to Equilfax Information Services LLC requesting deletion of XXXX partial acc. number XXXX from Credit Report File which have been denied
On XX/XX/2018, I was notified by XXXX of a negative report that was furnished to it by XXXX XXXX XXXX XXXX. This company reported that I owed it {$96.00}. When I called they purported to represent XXXX  Hospital and claimed that the {$96.00} was the result of a medical bill.

To date, I have never received such a bill, nor have I received any verification of this debt. Yet, Med Data Systems has reported same to XXXX and possibly several other credit reporting agencies. I have concerns that this could be the result of fraud or identity theft.

I have also not received any information concerning the types of treatment that was allegedly rendered, or information about the treating physician, etc. I have since sent out a letter to this company requesting this information, but have not yet received a response. I've also asked for documentation verifying the representation of XXXX  Hospital. I even called seeking this information, yet the company was unable to provide such information verifying the relationship -- that it is in fact authorized to collect a debt on behalf of XXXX Hospital.

This feels like a scam and I am very concerned that my privacy has been compromised.
I pulled my credit report and there is a account called discover credit card with a XXXX balance I didnt apply for and I called discover over and over and explain that didnt apply for this account and they have started a investigation and after 90 days I was told I wasnt responsible for it and the next day I was receiving calls from the debt collectors and I explain too many times that I didnt apply for a discover card   and its on my credit report and XXXX refused to remove it from my credit report after It was blocked again this morning on XX/XX/2019 I called XXXX today and see if they block the account and they said they are unable to block it and Told me I need to contact discover to reopen the dispute
I disputed an account opened XXXX for a secured loan on a vehicle that I did not own. The results stated it was my account. I asked how was that verified. I was told Equifax compared my name, date of birth and social security number. I still explained that I needed more verification, such as provider of the loan requesting copies of dmv title reports to show when the vehicle was last registered in my name. I was informed that was all they do to verify info. This has not been helpful. the Equifax manager also argued with me regarding me telling him that I did not receive any updates with the first case listed. he also told me I was emailed a copy, and I informed him that I was not. the rep. called my name out to me wrong, so I explained that if they emailed anyone with that last name, then it was not me. I do n't feel I was adequately helped and have to live with what is on my credit without anyone to assist me in having it removed. the company will not send for ownership records for the vehicle for the date that the loan was taken out. the vehicle was traded and the first loan was paid off. The company had a second lien on the vehicle which the dealership was aware of. The vehicle was traded by me prior to XXXX.
I was going to sign up for XXXX through healthcare.gov, but when I found out that I would only get coverage for one month through them and then would have to switch companies, I decided to just go without insurance for one month. I called XXXX and told them I did n't want their coverage for the one month, and did not pay the premium, thus never activated my insurance. I have now been sent to collections through XXXX for a premium I should n't owe. They never provided coverage to me. I told them I did n't want their coverage, which again they did n't ever provide because it was never activated for that month. In addition to my complaint that they are billing me for services they never provided me, as far as I know through the affordable care act, it is illegal for them to send me to collections for an unpaid medical premium in the first place.
I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXk XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  EXPERIAN - XXXX XXXX XXXX- XX/XX/XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX  Please Remove XXXX XXXX XXXX  Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Around XX/XX/2015, I called American Vacation to book a vacation Package. After I gave them my information, they called me back within 5 minutes, saying they can not charge to my credit card, advice me to call customer service for my credit card company. At that point my instinct told me these people are desperate, I should not do this. 
So I called credit card company to thanks him for looking out for me. told him I change my mind about this transaction, please do not let them charge me {$400.00} to my card. I called back American Vacation and told them I change my mind about this purchase. They said no problem. 
A couple of day later, I saw a charge on my activity list on the credit card web site. I called the credit card company again and asking why you guys let this charge go through.They charge with different name or their sister company but the the same amount of {$400.00} that I called you to put a block on. But he said I could dispute that and we could resolve it later. 

Later, I talked to customer service specialist on the phone a few times. He send me some copy from XXXX XXXX claiming that I did sign an agreement electronically. that was a lie. I did n't sign anything. On that paper, they had my last name wrong. they even sign my name wrong. I wrote to the customer service XXXX that handle my case. He said sorry he decided that it is all valid. I disputed again another customer service specialist looked over again and she agree with the first one. 
I later found out that that travel company is form out side of United State. I could n't even find it on internet. They must do this kind of stuff all the time. BUT the credit card company is support to protect their customer. '' My credit card not yet been charge. I called to block it. They still let it go through. '' And later on even with wrong name and wrong signature, they still decided it was valid. I pay {$95.00} a year for this credit card service for what? So they could XXXX me? I paid the balance and now I closed the account but I still want this issue to be resolve. 
I have some more document that I could summit. They are in paper copy. I could mail or fax it to you.
Clark County Collections has reported to the credit bureaus a derogatory account dated XXXX/XXXX/11 in the amount of {$1100.00}. According to information obtained through internet search, this agency collects on unpaid medical accounts. Not only have I kept continuous medical coverage, I have not received any notification of unpaid debt to a provider for medical care. I also have not received any correspondence from Clark County Collections. Additionally, I did not receive any type of medical related service on the date reported by the agency. 

The unpaid debt reported by Clark County Collections has made it difficult to obtain necessary medical care and they have falsely tarnished my creditworthiness. They have failed to provide sufficient documentation pertaining to their reported debt and have made it impossible to have the incorrect information removed from my credit reports.
We refinanced our home through WAMU in XXXX. After signing the documents WAMU added a predatory loan amount of {$1000.00} month to be charged to our principal. For five years {$1000.00} month was charged to our principal along with interest on a loan balance that ended up being $ XXXX in XXXX when Chase took over our loan. We were not successful in getting this resolved with WAMU before JP Morgan Chase took over our loan. Although after the takeover Chase did stop charging the {$1000.00} month to our principal we have had to pay interest on the {$60000.00} that WAMU added to our principal XX/XX/XXXX-XX/XX/XXXX. 
We have tried working through attorneys, financial advisors, attending homeowner help seminars to no avail. Chase maintains they are " stuck '' with what they bought ( or were forced to take over at the time ). In the past six years since Chase took over our loan we have paid interest on the {$400000.00} balance leaving us underwater from XXXX. We now owe {$350000.00} on our WAMU/CHASE loan that started at {$360000.00} in XXXX and increased to $ XXXX over 11 years. 

Thank you, XXXX XXXX XXXX XXXX
USAA has taken  XXXX  of my retirement checks for {$2800.00} plus {$300.00}. I have attached police reports with the issue.