WillisBack/dataset-financial-user-claim huggingface dataset:
This problem is with my XXXX report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to XXXX and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and XXXX is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to XXXX and they must delete the fraudulent accounts in 5 buisness days, XXXX have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into XXXX  and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... XXXX have done none of the following, the accounts are listed below ... also XXXX continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX/CBNA ACCOUNT : XXXX XXXX
I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.
XXXX XXXX XXXX  is reporting what appears to be a medical debt on my credit report which I have NO knowledge of. I am fully insured with medical insurance which pays 100 % of all of my medical needs. This listing gives a date opened of XX/XX/2018. Again, I am NOT aware of this debt as being mine and I have disputed it with Experian but just got the dispute results back saying it has been updated. The original creditor was XXXX XXXX. I do NOT recall having any medical service done that would generate a bill such as this. Otherwise, according to a new credit reporting law, a listing such as this one is NOT supposed to be added to a credit report until AFTER 180 days giving the insurance company time to pay this. XXXX  will NOT remove this.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern. 

I applied for my townhouse refinancing to Freedom Mortgage Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Initially, we talked, and I clearly stated, that my gross income was around {$45000.00} yearly. According to market estimate, my house worth {$170000.00} and refinancing amount would be {$130000.00}. I 've bought this house in XXXX 2009. 
The person, who I spoke to, said that it 's kinda tight, but after checking on my credit score, he said that they could do it, and took my application over the phone. He was some kind of supervisor there, and later transferred my application to one of the loan officers XXXX XXXX. 

I received electronic package, signed all documents, tho some was not exactly correct, but he said, that we could change it later. I 've also supplied 2 years of tax returns, bank statements, and all the other required documents. At the end of that day, I got a call from him, and he said, that my application was denied cause my income is not {$45000.00} but {$30000.00}. {$30000.00} was not my gross income but adjusted gross income, meaning after personal deduction, and IRA contribution. I pointed to that fact to him, but got borderline rude response. After that I emailed him, and asked for that explanation in writing, but got no response. 

About 2 weeks later, i 've got a letter from Freedom mortgage Corp where no reason for denial was stated, it also did n't say anything about where they obtained my credit information. 
What was in that very strange letter ; - Withdrawn. WE HAVE ACKNOWLEDGED YOUR WITHDRAWAL REQUEST!!! 
I did not request anything! 

I 've called them following that letter, and got the promise to call me back, and resolve the issue. One week later ... I got nothing! 

I also going to file a complain with the XXXX, cause i do not believe such a practice deserve an XXXX rating.
For ten days I have been trying to get modification doucemnts from Union Home Mortgage. The first time they said would take about 48 hours to be email. Nothing happened within this time frame. I called back and it was stated the request was never put in. This has been going back forth for 10 days. It has to be requested and then I was told it could not be email. I gave them a fax number to fax it to and still they are saying it will take 48 hours for the request to go through. Today X/XX/2017 I called again trying to get the documents and was informed of the soame 48 hours request to be sent. I spoke with a supervisor and got the samething and never got to the right person. It was never the modification department. I was informed that the modification department does not take phone calls. They only do modification.
I have been experiencing issues with possible identity theft so I submitted a written dispute to Equifax asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXX letter for which they have approved to remove this delinquency, but XXXX is not removing and does not cooperate, the other two bureaus have already removed except XXXX. 
thank you for your understanding
I did not open the original account. I filled a dispute with Portfolio Recovery in XXXX 2014. They are still trying to collect on this debt and reporting it on my credit report.
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department Stores ( applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX - and currently has a balance of {$700.00}. In early XX/XX/XXXX, I disputed this account via XX/XX/XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
My servicer, Fay Servicing, failed to inform me that they were transferring my loan to XXXX XXXX within 15 days. In fact, I still have not heard from them. And the company they sold it to, Florida XXXX XXXX, did not inform me in a timely fashion. I only received their letter on XXXX/XXXX/16 when transfer was to take place XXXX - XXXX/XXXX/2016.
I have submitted XXXX complaints to the FTC regarding Hyundai motor Finance calling my job, after being told I can not receive personal calls. Now, I am going through repossession, and they have given my work number to XXXX XXXX XXXX, after they stated in writing that they were deleting my work number from their system.
In XX/XX/2018 I disputed an inaccurate account with XXXX XXXX Credit reporting company. In XX/XX/2018 Transunion reported that the account was verified and accurate. ok well in XX/XX/2018 I sent a certified letter to Transunion to be exact the letter was dated XX/XX/2018 I sent the letter to Transunion on XX/XX/2018 I have copies of the certified mail receipt that the letter was sent to them.. The letter was the METHOD OF VERIFICATION OF THE PREVIOUS DISPUTED ACCOUNT ON MY CREDIT REPORT,, THE ACCOUNT LISTING IS XXXX XXXX XXXX # XXXX, TRANSUNION RECEVED THE LETTER ON XX/XX/2018 I HAVE A COPY OF THE DELIVERY NOTIFICATION THAT WAS GIVEN BY THE USPS ... SO  TRANSUNION RECEIVED THE LETTER ON THE XX/XX/XXXX, AGAIN THE LETTER WAS THE METHOD OF VERIFICATION.. AS A CONSUMER I AM EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) WHICH I WAS REQUESTING A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY AFOREMENTIONED DISPUTE. I REQUESTED ITEMS THAT WOULD FALL IN THE LINE OF THE FCRA 611 ( A ) ( 7 ) AND TRANSUNION FAILED TO SEND THAT INFORMATION TO ME. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND IT AGAINST THE LAW AND TRANSUNION IS NOT FOLLOWING THE RULES OF THE FCRA ... .THEY NEED TO REMOVE THIS ACCOUNT ASAP FOR I AM ABOUT TO GO DOWNTOWN AND FILE A SMALL CLAIMS SUIT AND HAVE ALL THE PAPER WORK SHOWING DID EVERTHING RIGHT AND TRANSUNION REFUSED TO SEND ME WHAT I REQUESTED AND WHAT I AM ENTITLED TO TRANSUNIOM VIOLATED MY RIGHTS AS A CONSUMER PER THE FCRA 611 ( A ) ( 7 ) ... WELL ON XX/XX/2018 I CALLED TRANSUNION AT XXXX AND SPOKE WITH A TRANSUNION REPRESENTATIVE FROM THE UNITED STATES I ASKED THE REPRESENTATIVE ABOUT A THE DISPUTE WITH THE XXXX XXXX ACCOUNT ENDING IN # XXXX AND THE REPRESENTATIVE STATED THAT THE XXXX XXXX   ACCOUNT ENDING IN XXXX HAS NEVER BEEN IN DISPUTE,,, I STATED YES IS HAS. I GAVE THE AGENT ON THE PHONE THE FILE NUMBER THAT WAS SENT TO ME BY MAIL.THE AGENT STATED THE FILE NUMBER WAS DEAD AND HE WASN'T ABLE TO PULL UP THE PREVIOUS DISPUTE AND THAT HE DIDNT KNOW WHY HE WASNT ABLE TO SEE IT,, THE AGENT STATED THAT THE ACCOUNT WAS NEVER DISPUTED AND I ADVISED HIM THAT I HAD PROOF THAT THE ACCOUNT WAS DISPUTED IN THE PAST AND I RECEIVED THE LETTER FROM TRANSUNION, TRANSUNION IS NOT REPORTING 100 % INFORMATION THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT..I HAVE COPIES OF THE RECENT RESULTS FROM TRANSUNION PERTANING TO THAT XXXX XXXX   ACCOUNT ENDNG IN XXXX. THE FILE NUMBER IS HIGHIGHTED AND I KNOW THIS ACCOUNT WAS DISPUTED BEFORE, TRANSUNION AGENT STATING IT WAS NEVER DISPUTED,,, THEY HAVE VIOLATED THE LAW AND REPORTING INACCURATE INFOMRATION ON MY REPORT AND MY NEXT STEP IS FILING A SUIT ... TRANSUNION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE..
I disputed this debt with Stellar Recovery INC with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$18.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. 

The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.
I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with Home Depot. I am not disputing if I had an account with Home Depot. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from Citibank XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against XXXX for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced Citibank collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
I disputed a bankruptcy on my credit reports back in the begging of the year. On XX/XX/XXXX I sent a letter to the XXXX Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to the Credit Reporting Agencies ( Experian, XXXX, and XXXX ). I received a letter back from the court on XX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).
My mortgage company has tried twice now to add mortgage protection insurance to my loan. My original contract did not include this in the escrow account. My original contract included homeowners insurance and county taxes. My original payment was XXXX. Ditech has now increased my payment to XXXX because they claim the escrow will fall short. The escrow account has not fallen short ever in the time of the loan. The homeowners insurance nor taxes have increased. In fact the taxes will decrease this year. I have been trying for the past 3 months to resolve this issue with them directly. I have been told every month I have to make the payment that I 'm told to make otherwise I will be charged a late payment.
I had been working with Carrington Mortgage company since XXXX 2015 on a mortgage loan. I had been pre-approved for {$170000.00}. I was working closely wiht the mortgage loan officer. We finally got a closing date of XXXX XXXX, 2015. On XXXX XXXX, 2015 the mortgage loan officer called and said they needed a few additional days as XXXX of the loan processors was in the hospital. My realtor had me sign a extension contract, extending the closing for XXXX days. XXXX days after the extension was signed I got a call from the mortgage loan officer telling me I would not be getting the loan.
I recently hadiscovered to pull my reports for employment and I saw inquiry that had been deleted reinserted.
We purchased a condo in XXXX XXXX, MO in XXXX XXXX. They ran the loan through Caliber Home Loans. First thing, was the property taxes were prorated, so we did not owe the entire year of XXXX taxes. So immediately after the XXXX XXXX house payment, they immediately took out {$1400.00} and sent it to XXXX County Assessment for the XXXX taxes ( which we did not owe ). Not realizing that had been done, then in XXXX XXXX, they sent in {$1100.00} to the XXXX County Assessment for taxes. Well, then in XXXX XXXX, we received a notice from XXXX County stating that the taxes had not been paid. We called Caliber and told them and asked what they did. They indicated that they had sent the payments. They gave me the dates and check number and amounts. Called XXXX County Assessment back, and sure enough they had received those checks, however, Caliber had put the wrong property description on it and since the amounts did not match up, the money is in limbo in XXXX County. Call Caliber back and told them that and that they needed to get ahold of XXXX County Assessment and get the legals corrected so the money could be applied. Questioned them at that time why we were paying the entire XXXX taxes and all I got was that they would look into it and it would take 20 days to fix it. Well, instead of fixing it, they took another {$2600.00} out of the escrow and paid XXXX County so the taxes would be paid. Now, XXXX, we receive notice that they are doubling the monthly payment because we are now in the hole over {$3000.00} because they have mis-handled our escrow account. I called them and demanded a full audit and told them I was not paying for their mistake and that they would have to eat it themselves. I gave them until XXXX XXXX to have it fixed and to return a call to me. As of today, XXXX XXXX, XXXX, I have heard nothing. When I tried to call them, you end up on hold for over 15 minutes or if you do get through, they put you on hold and that is where you sit until you hang up. If they have mis-handled our escrow, who else have they screwed up!
I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so. 

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}
They call my cell phone while Im at work and dont leave messages. They call from multiple numbers. Now they are calling me at XXXX! This is ridiculous!
For an account closed in XX/XX/2017, at service/billing address of XXXX XXXX XXXX, XXXX XXXX. Account was closed and balance was paid, and I moved to XXXX XXXX, XXXX CA XXXX. At no time did XXXX send me a bill to close the account. I was contacted by XXXX XXXX XXXX to collect the final bill of {$94.00}, which I paid over the phone immediately. Paid reference # XXXX. I have contact XXXX over 25 times to rectify this situation. My credit score has plummeted significantly and I can no longer qualify for loan or rent. Not only was this NOT my bill ( I was not living nor residing in the home at that time ), and I NEVER received a bill from XXXX prior to this charge being sent into Collection.
I have sent a cease and desist previously and spoke to someone there about calling friends and relatives pretending to be law enforcement and telling them I was going to jail. This was six months plus ago, before loosing everything in hurricane Harvey. The last week 3 of my relatives and a family friend, received calls from this company saying that they were the district attorney looking for me because they were going to arrest me. One call even threatened that they would be in trouble if why did not give up my whereabouts. I have never not had a cease and desist, and I have asked them to not call and scare my mom and relatives any more. My mom has had a XXXX XXXX and has a XXXX. They are calling her and threatening her. They called my cousin on Monday and disclosed all my personal information and then told her, I was going to jail. This is a terrible form of harassment. Please help. They call at least 9 times a day. To me and my friends and family.
Equifax is allowing XXXX XXXX to illegally report a re-aged charged off account on my credit report. I disputed this information with Equifax credit bureau and they informed me that XXXX XXXX verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.
On  XXXX   XXXX ,   XXXX  , I received a credit inquiry f rom Prestige Financial o n my consumer credit reports. I did not authorize this inquiry either directly with Prestige or through any other source. I sent them a certified letter which was received and signed for on  XXXX / XXXX /  XXXX  . I received a response from  Prestige da ted  XXXX   XXXX ,   XXXX   which stated they would not remove this inquiry despite being notified in writing this inquiry was not initiated or authorized by me either directly or through a third party. They have disregarded my concerns that someone has used my information without my consent and are fostering an environment that allows for identity theft by refusing to remove such items. T he Federal Law is very clear under the F air Credit Reporting Act and this inquiry being performed under false pretenses as described in the clear language of the law . 15 USC 1681n ( a ) ( 1 ) ( B ) state s, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.      Prestige is not able to provide any evidence such as a signed credit application or any credit application provided to them from any party that this inquiry was authorized by me. Therefore under Federal Law this inquiry must be removed immediately as it is causing my consumer credit report to be damaged since inquiries affect credit scoring systems. I am demanding this inquiry be removed as my first request was refused by Prestige.
In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.