WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this account many times with no success. 
I sent XXXX letters on XX/XX/2018 I received a letter in the mail on XX/XX/2018 with a copy of a $ XXXX bill ( hippa violation? ) and absolutely nothing of VALIDATION. 
It is not validated and i can not get the company to properly validate? I expect the agency to follow federal law on debt verification and validation. WITHOUT SIGNATURE i am not going to be held responsible for a debt included in my identity theft report Without receiving proof that this debt was signed for and authorized by me than it needs to be removed, i have been a victim of identity theft and another person is being investigated for making charges in my name, if this is one of those cases, which it is and i am also proving by showing that the addresses on the bill do not match mine. 

I have attached my identity theft report with the Federal Trade Commission and will seek further action if necessary to remedy myself of this situation.
XXXX Experian and since XXXX 2016 wont remove inqiuries. Stated will take 30 days for banks and institutions to respond. 30 days went by and report has not changed. Called today XXXX XXXX, 2016 and getting same statement that I have to wait 30 days for investigation of inquiries which I have no contract or agreement of service.
I first received a loan modification from Stonegate mortgage on XXXX 2015, at this time my payment was going to be XXXX, estimated then went up to XXXX after I had signed the new paperwork at the XXXX payment, they agreed this was their mistake and each time they told me I could fill out a loan modification packet to get my account current again after i kept complaining that the payment was not what I agreed upon. Now for the past year I have been filling out loan modification paperwork maybe four our five times ( different packets ). Each time I am told I missed the deadline. I even had it certified mail and the packet was there on time, they said oh no you missed this, after I was told what I needed to send in and my packet was complete, either by mail, or phone or email. we dont understand what this docoument means, this needs to be certified, the bank statements are not current, the payroll is not current. i now received a letter of default, the XXXX one today. I know I am doing my part getting the paperwork in. I talk to people on the phone and we go over everything, that is needed. I resend it, but sometimes when I am on the phone the person says dont worry about that it is more then sixty days old. Then I talk to someone else and they say oh no you need to send it. I have yet talk to a person that is handling my case, only someone that looks at the paperwork and checks the documents. I am thoughly stressed, and upset. I am doing my part and they seem to not care. The last modifcation to me was totally wrong, after I signed the paperwork they then added on escrow and insurance, ontop of my new mortgage amount. I complained to anyone that would listen. Now I am stuck with a year of resending the same paperwork over and over and it is like a huge game to them. Is there any protection for the consumer? IF you have any answers on what I need to do or who I need to turn to please let me know.
XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. 
I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. 
He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. 
I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. 
One more time, I asked what their policy was regarding consumer privacy, he said there was not one. 
I then asked for his last name, and he said it was just the letter XXXX. 
Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. 
The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.
I have disputed this account twice with the credit bureau. I have sent information concerning the payment history for the account on file. I sent information showing that my child support payments are not late as they continue to state. The bureau even received information direct from the company showing my payment history, yet they are allowing this information to continue to remain on my account. On my credit file it states that I have not sent a payment in for this account since XX/XX/2016, which has been proven by myself and the reporting company to be a lie. I have sent letters to the reporting agency asking for copies of my payment history and they have yet to respond. However, they sent the information to the credit bureaus.
Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX   to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.
I am attaching a copy of the investigation request that I sent to Equifax and XXXX XXXX on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.
I am applying for a credit card from Capital One. It has involved several phone calls as they rejected my application due to a mistake. Every time I call, the call center representative asks for my FULL social security number. That ca n't be right. That puts my identity at risk. I have already had someone file false tax returns with the IRS using my SSN. So I am very sensitive about giving out this information. But Capital One wo n't talk to me about my application unless I give her that information, because they say they otherwise do not know who I am. But I have a name, an application number, and a birthdate. Why is that information not sufficient? Why is it legal that they have to require my FULL SSN?
My old boyfriend got in my bank account and took money out of  XXXX    XXXX   when he was here. He saw my password to my bank. Did not know it at the time. He took  XXXX  out that I never had in there and ran with it!
I did n't make these charges. They are 100 % unauthorized. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$63.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$52.00}
I have contacted Huntington Bank SEVERAL times and was told by XXXX XXXX this fraudulent inquire would be removed. That was back in XX/XX/XXXX, it is now almost XX/XX/XXXX and they have yet to remove the inquire.
This is a letter that I faxed to XXXX XXXX 10 days ago and I received no answer. 
Dear Sir, Madam, I got your fax number from a nice lady that I talked to when I contacted XXXX. 
My name is XXXX XXXX XXXX and I have a XXXX credit card, that I use very rarely. ( acct. number : XXXX ) However, I used it a few months ago and went for a vacation to XXXX to take care of my sick mother and later I went for vacation with my kids. Therefore what happened to me is really my fault, but I would like to ask you for reconsideration of my case. 
I did not pay my bill for 2 months. The balance was about {$80.00}. 
Being on vacation, I missed your statements ( in the pile of my mail it was n't difficult, and also, I pay all my bills electronically, so I might have missed a paper statement ) My balance came to my attention after an agent from your bank ( XXXX XXXX ) called me ( XX/XX/XXXX or XX/XX/XXXX, ca n't recall exactly when ). I paid my balance promptly over the phone. 
Last week I got my credit score to my bank and I noticed, that it went XXXX points down, from excellent, to barely good. I know, that this is going to be on my record for 7 years. 
I would like to bring to your attention, that I 've been working on my credit history for all my life ( I am XXXX years old, divorced mother of XXXX ), successfully paid for my college, mortgage, various car loans, credit cards, all my household and phone bills and I almost never missed payments. My loans were often very high and I managed to stay in the excellent credit range. 
I would like you to reconsider your decision to report my mistake ( of not paying {$80.00} ) to credit bureau and essentially wiping out years of my excellent financial standing for under {$100.00}, 2 cycle missed payments, that was promptly paid after the phone call. 
Please let me know if there is anything you can do about my case and please advise what should be my next steps if there is nothing that you can do at your end. I would like to avoid the consumer agency complaint. 
Thank you so much, Best regards,
The transaction amount that was credited back to my America Express Card was $XXXX making the account a total amount of $XXXX.. XXXX XXXX XXXX. located at XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Ref# XXXX.  This is what's happen now 
XXXX 
To:
XXXX

XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX.  On XXXX XXXX I authorized my card for payment to XXXX XXXX XXXX in the amount of$ XXXX on XXXX XXXX XXXX and $XXXX on XXXX XXXX XXXX.  The entire amount was credited back to the account on XXXX XXXX XXXX.  I have the conformation.  I will not wait thirty days for all my money.  I Will give your agency until tomorrow XXXX XXXX XXXX to make my money available to me.  If this has not happened I will contact the CONSUMER FINANCIAL PROTECTION BUREAU.  IF this is not resolved I will start Legal actions.  I will be asking for more than $ 360.00. Someone my call me@ XXXX XXXX XXXX.  I have spoke with three of your Employees XXXX, XXXX, XXXX all with Customers Service/Blue bird.  All has lied.    These people are holding the money that not only belongs to me but a potion that belongs to my Cousin as well.  I refuse to wait fifteen (15) or (30) days for my money.  XXXX has released the funds, so why I have to wait.  When I spoke to one on the Customer Service Person, I was told their office was located in the XXXX.  Theses funds were taken out the same day requested, the funds should be back in my account by now
On XXXX XXXX, 2015, my father, XXXX XXXX XXXX, wrote me a check for {$2500.00} from his XXXX money market account. On the same day, I deposited the check in my Wells Fargo account at the ATM XXXX located XXXX Alabama XXXX. 

On Monday morning, XXXX/XXXX/15, I phoned Wells Fargo to inquire as to when the funds would be made available, and Wells Fargo 's representative told me that the deposited funds would be made available on Tuesday XXXX XXXX/XXXX/15 ) at XXXX. Tuesday, XXXX/XXXX/15, only {$200.00} of the funds were made available to me. 
I phoned Wells Fargo again to inquire as to why this was happening, and I was told that the funds would not be deposited until XXXX XXXX, 2015. 
When I banked with XXXX Bank, my father wrote me checks from his same XXXX account, and there were never any issues - the funds cleared in the standard two business days ' time. 
I find it highly suspicious that Wells Fargo is holding these funds ; and I know my father to not write bad checks. Personally, I think Wells Fargo 's business practices need to be investigated. I have also contacted an attorney. 
If you need any documentation from me, please find my contact information below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, AL XXXX XXXX : XXXXXXXXXXXX
I received on XX/XX/XXXX a notice that was included with my monthly statement. This statement notified me of changes to my account. The changes were to be in effect on XX/XX/XXXX. I  believe that any changes to my account should be sent to me, in writing, 30 days before the change takes place. Huntington Bank. XXXX XXXX, Ohio. I have talked to a bank rep on the phone today and she was to file a complaint and send me info on all of our accounts. ( My husbands ' and mine ) I am not sure that I can trust this bank to do the right thing, that is, make the changes 30 days from the date of notice. I can not find a date on the notice paper that was sent, but it was included with my monthly statement. I also wonder about how short the actual inactivity fee can go. They changed it from 2 years on a savings account to 12 months. These changes have not affected us at all but I think that down the road things will progress to the point that they will be benefiting from customers naivety. 
Thanks for your timely response, Huntington bank customer.
National Credit Systems is showing up as a XXXX collection account on my XXXX Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my XXXX report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called National Credit Systems on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called National Credit Systems again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with XXXX and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the XXXX report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XXXX and they have no prior records. We applied to get an apartment they told us no because this was on my credit report. National Credit Systems says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. XXXX says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from National Credit Systems or XXXX. National Credit Systems says they cant help me but from what XXXX Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$2500.00} by XXXX XXXX XXXX. I disputed the charge on XX/XX/XXXX. Although the merchant listed on my credit card statement clearly said XXXX XXXX XXXX, Capital One listed the merchant in the dispute as XXXX XXXX. Perhaps because XXXX XXXX XXXX did not exist. A company named XXXX XXXX XXXX XXXX XXXX located in XXXX, at the same address purportedly used by XXXX  XXXX XXXX had been administratively dissolved. XXXX XXXX was also dissolved XX/XX/XXXX. 
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$8300.00} by XXXX XXXX. 
For Capital One transactions, I was a victim of deceitful telemarketing. 

On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
The charge was completely fraudulent.
On XX/XX/2018 I wrote to XXXX  ; Equifax and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
I have had this credit card from XXXX XXXX XXXX for more than 10 years and had gone over the limit but the credit card company was approving the transactions. I have not been using the card for over 3 months but been paying my monthly payments that are due. 
Last month they have been bought over by Elan Financial Services under Fidelity and now demanding that I pay the over limit amount of {$1000.00}. I have been paying my payments monthly and have never been late. I have requested them to increase the limit but they refused to do that and demanding me to pay {$1000.00} by XXXX XXXX, 2016. I asked them why did they let the transactions go through if I was over my limit and their response is it was a benefit offered from XXXX and now bought they have been bought over by another payment processor Elan and that is why the rules changed. This is fraud just because a company is bought over by another company you do n't harass clients. 
The president should do something to protect the public. There are several complaints about Elan Financial Services on XXXX. I would appreciate if could handle this otherwise they will put late fees and add other additional fees for the {$1000.00}. I am willing to pay my monthly payment but not {$1000.00} of the overlimit amount. Unable to upload old Statements since they have been bought over its a new website login and old statements are not available there where I can prove that I do n't use their card but just paying it off. 
I have also lodged a complaint with the Office of the Comptroller of the Currency US Dept of Treasury, The Presidents Office Board of Directors of Elan Financial Services, Federal Reserve Consumer Help.
I have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
I AM VERY XXXX XXXX XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND IT IS NOTED ALSO ON MY ACCOUNT. 

I HAVE BEEN POKED FUN OF AND GIVEN THE RUN AROUND TOTALLY TODAY JUST BECAUSE 6 FOLKS REFUSED TO ACCOMODATE ME NOR GET ME A PERSON THAT I COULD HEAR. 

MY DISPUTE WAS NEVER PUT THRU.
I filed a dispute with XXXX on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX  XXXX/XXXX XXXX  which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my Equifax credit report and I disputed it there, as well. I received the same notification on my Equifax report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my Equifax and XXXX  credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX  will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.