WillisBack/dataset-financial-user-claim huggingface dataset:
Company name : Collection Bureau Hudson Valley, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Partial account account number : XXXX I have disputed XXXX accounts of information that are not my accounts, this company removed XXXX accounts off my credit report and continues to report one : XXXX. They are deliberately looking for extra payment. The accounts were paid XXXX. I have spoken to this collection agency and were told the accounts had to do with my children, who are minors and who were serviced at an emergency room. They said there was a third party. I told rhem I have nothing to do with a third party, and whatever third party this doctor knew about, should have made sure he got paid. XXXX ( Insurance that my children has ), I feel, on personal that fraud is in play, to receive extra money, which this doctor has been paid for services through XXXX. 
If they removed XXXX, off my credit report, it is obvious, that this one ( stated above ) is false information, continually being reported on my credit file, destroying and prohibiting me from obtaining credit, etc.,. I would like this to be remedied, swiftly, as I will obtain a lawyer to remedy the situation, and slap them with a lawsuit. They are involved in illegal activity and need to be brought to justice. 

Many Thanks in Advance, Respectfully, XXXX XXXX
XXXX XXXX Security alerted me XX/XX/2018 that my care was used in store two transactions {$190.00} and {$1.00}. They asked via text if I made these transactions. I texted back no then the told me to call them and I did they asked me to confirm info and they informed me that they'd cancel my credit card and send a new one. week after week I get calls that I am overdue on payments. I call to tell them it is fraud related, week after week. finally someone told me to fill out the proper paperwork and I do. after that I still get collection calls. Finally I talked to someone in the customer service department and the said they receivers the paperwork and that I need to file a complaint because they did not give me the proper information to clear the fraud charges. They also charged late fees. This is an issue regarding XXXX XXXX.
On XX/XX/XXXX, I received a letter from LenderLive Network informing me " that the servicing of [ my ] mortgage loan has been transferred to a processing center at LenderLive Network '' and that " the right to collect payment [ by LenderLive ] is effective XX/XX/XXXX ''. I did nothing at the time, thinking it was fraudulent, since I had received another similar letter back on XX/XX/XXXX stating that my loan " was sold to XXXX XXXX or to XXXX XXXX as trustee for a trust holding your mortgage loan on XX/XX/XXXX '' but that " the sale of your mortgage loan does not affect any term or condition of the mortgage, deed, or note '' and " requires no action on your part ''. Then on XX/XX/XXXX, I got a notice of " payment past due and credit score warning '' from a debt collector, stating that " LenderLive Network was now servicing my account on behalf of XXXX XXXX - XXXX XXXX XXXX ''. There was also an itemized bill accompanying the notice dated XX/XX/XXXX that had an extra amount of {$68.00}, supposedly due to the absence of PMI. The original lender, XXXX, never made contact with me regarding the transfer of the loan, which is why I did nothing with the XXXX XXXX letter from LenderLive. I contacted LenderLive, and they explained the difference in cost by saying that they were billing us for an extra {$68.00} due to the absence of PMI when XXXX was in charge of the loan. I then paid the increased Escrow amount for XXXX, bringing my total to {$1200.00}. I created an online account with LenderLive, and when I logged in to pay XXXX 's bill, the amount due was back to the original {$1100.00}. My complaint is due to the following : ( 1 ) not being given notice from XXXX that my loan was sold and thus charged late fees by LenderLive during the transfer process when my account was in auto-pay and ( 2 ) that the value of the mortgage went up -- I am being charged more for PMI after LenderLive took over the loan because they said I had n't been paying PMI at all when the loan was being serviced through XXXX.
I was in good standing with my student loan servicer for almost 10 years. In 2014 I started a business and simultaneously lost my job. I was able to make payments for a while but I make almost no money $ XXXX-XXXX gross per month and it has been that way ever since. I applied for IBR swiftly upon realizing how tight my finances were going to be and for the 2015 year I did not have to make any payments. This year, the same company, Edfinancial is doing their best, it would seem, to block me from IBR even though I am making roughly the same amount and I am 9 months XXXX, about to give birth any day now, and am on Medicaid and Food Stamps. I have asked them 4 times now what precisely they need from me in my statement of self-employment and each time they have given me incomplete information. I have applied with the information they requested only to find out, too late, that my application had been rejected and I owed. They keep saying " Oh, its ok you can apply your forbearance. '' Clearly, this is how they rope people in who are not paying attention. I do n't want to use a forbearance when it is their fault. That is for emergencies and they are divesting me of it as a cheap trick to make a dime. I have asked to be put in contact with a manager. I will continue to get my account switched over to IBR but they are making this process convoluted and I feel like its an attempt on their part to trick me out of the resources I have so that I am living month to month waiting for them to prey upon the meager income that I make.
This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress. 

I am a recovering victim of ID Theft which arose from a stolen wallet in XXXX and on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts. 

On XX/XX/XXXX I wrote my first letter to Barclays Bank Delaware. On XX/XX/XXXX I received a response from Barclays Bank ( see attached letter ) which does not consitutute validation. I wrote again on XX/XX/XXXX and informed them that the account was unknown to me and that I requested full validation for the account including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to Barclays Bank of Delaware made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed Barclays Bank of Delaware that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, the XXXX 's account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX  XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXXXXXX XXXX, they do have the funds. Attached is the letters of XXXX  XXXX XXXX and XXXX XXXX and the proof of transmittal. 
Per XXXX XXXX XXXXXXXX 's letter, please reach out to the ACH processor ( XXXX ) and request the funds to be re-called
Upon obtaining my credit file, Cavalry was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent Cavalry a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response Cavalry sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

Cavalry then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

Cavalry know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
Today, I am received from Experian - incorrect phone number and spouse. 
I am not phone number - XXXX, XXXX and XXXX that my ex husband 's phone number. 
My phone number - XXXX. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Need delete - old address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was divorced on XXXX 2007 and moved to XXXX. I am not longer at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX about nine years till now. I still lived here in XXXX about nine years till now. 
I am not agree - old phone number and old address that not mine. That my ex husband phone number and his address. 
I am upset that need delete - spouse and mortgage - closed and my ex husband only his name in mortgage now but I do n't want to stay in mortgage in my credit report cause affect if my ex husband not pay mortgage - I not want any more bad credit history or be forced to make any payments as I will be unable to do so due to my very fixed income and low income. 
I show you - attach documents.
I opened a Kohl 's capital one credit card in XX/XX/XXXX. I used it one time on XX/XX/XXXX for a purchase of {$79.00}. I never received a billing statement or a phone call until XX/XX/XXXX. When I received this phone call, I made a payment of {$50.00} immediately over the phone that day and paid the card off completely with a {$100.00} payment on XX/XX/XXXX. While applying for a mortgage loan in XX/XX/XXXX, I discovered I had two late payments on my credit report from Kohl 's. A 30 day late on XX/XX/XXXX, and a 60 day late reported on XX/XX/XXXX. I contacted Kohl 's and explained that I had not received any sort of statement, and I also had not received my Kohl 's card on XX/XX/XXXX, I was told by a customer service representative that he spoke to their manager and " there was nothing they could do. '' I sent a letter to the main Kohl 's office that same day and never heard anything in return. These late payments dropped my credit score 160 points and has prevented me from getting a mortgage. If I had received a bill in the mail or a phone call before XX/XX/XXXX, I would have paid the bill immediately. I have never been late for any other payment.
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised Bank of America this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the Bank of America account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with Bank of America and still has yet to be assigned to  an investigator. My account  was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  14-21 days no w I 'm being told 60 days and was hung up on today after requesting to speak with  a manager.  Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
My father passed away on XX/XX/2018 and left behind a new mortgage that hed only lived long enough to make a single payment on. My sister and I have been trying since his death to assume the mortgage, but the mortgage servicer gateway Mortgage Group has been either unwilling or unable to give us a straight answer on what needs to be done or how we can pursue an assumption. They have been giving us the run around for months while charging fees and interest.
1. Mohela is not following the agreement I signed upon gaining my student loans since inception ... The INTEREST ACCRUAL since Mohela took over the loan is incorrect. It was only supposed to accrue interest until it hit the 10 % mark as per my signed agreement, ( which occurred right before Mohela took over from XXXX ) The interest capitalized on my account is now is WAY over. It should have never gone over XXXX and is now {$210000.00}. 

2. MOHELA appears to have been improperly tracking and applying your student loan payments- the corrections made have not corrected the balance. As an example, I was charged an extra charge in 2012 for a leap year day that did not exist since they compound interest daily and charged me 366 days at the 365 day rate. I overpaid by roughly {$20.00}, which is then continuously compounded through the life of the loan. More importantly, this continues to show that they are not tracking the loan. 

3. I would like to know the status of my forgiveness date and how many eligible payments I have made to qualify me for the XXXX program as well as full paperwork on the exact terms of this forgiveness program. 

4. Is there anyway I can move to working with another program as I do not trust Mohela nor do I believe they are doing a correct/efficient job for the Government nor myself.
XXXX credit reporting agency have inquiries on my report i did n't authorized.
here are the unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXX & XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Under FCRA & FDCPA, TransUnion refuses to remove and permanently delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item. 

This is damaging my credit rating.
One or about XX/XX/XXXX I received a voicemail from first National Bank of ohama. I returned the call, told them I havent used the card in a while why should there be late charges. A payment was made in the billing cycle yet they still charged a late fee. 
Since XX/XX/XXXX I have received 6 messages telling me to call them. They were from a robocaller. Also of note the number they called was my work/cell phone number. 
XXXX XXXX
This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling.
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Experian regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Experian and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.
I opened an a credit account w ith Capital One Bank USA NA i n  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  Capital One was to cor rect this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing th e two accou nts. The removal is to be fro the account ending in ...  XXXX .
I have a Care Credit account with Synchrony Bank. I did not receive a statement the month before a big promotional purchase was due. I'm very diligent about paying my bills so I did pay it off but I think it is NOT a coincidence that they didn't email me a statement this month. I am bringing it to the attention of a government agency for sake of people who rely on email notifications to pay their bills.
As of today, I received my updated credit scores from Equifax, XXXX  and XXXX. My FICO 8 scores are showing the following : Equifax - XXXX ; XXXX - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : Equifax - XXXX ; XXXX  - XXXX ; XXXX  - XXXX. When I asked Equifax why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, Equifax and XXXX   should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that Equifax and XXXX is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?
One year ago I applied a capital one XXXX, which has one-year membership fee waived. This year I decided to switch it to a non-membership fee card. I called after they already generated the statement with new year 's membership fee. They would switch my card ; however, they do n't grant prorated fee about the membership fee, which I feel it 's unfair. As far as I know, other cards such XXXX doed prorated fee.
On the dates of XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018 I disputed incorrect names, addresses, phone numbers, SSN 's  and inquiries from my credit reports. XXXX, and XXXX removed the incorrect items with no problems because I sent my SSN card, my Driver 's License and a fax requesting that the information be updated and or removed because I did not live at those addresses, my SSN was not correct and the names listed on my reports were incorrect. Experian has failed to complete my requests even after showing proof. I am beyond tired of this company. I have followed all the steps I know to follow, by making calls, uploading documentation, faxing the information etc. and still nothing has been removed.
Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX