WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter certified mail dated XX/XX/XXXX to XXXX XXXX XXXXCredit disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. The letter was received onXX/XX/XXXX. I pulled my credit report from XXXX datedXX/XX/XXXX. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I pulled my XXXX   report again on XX/XX/XXXXand my account was not marked in dispute by XXXX XXXX XXXX. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account onXX/XX/XXXX and all three credit bureaus reported the late payments were valid, and my account was not marked in dispute. I received a letter from XXXX XXXX XXXX   dated XX/XX/XXXX that had a statement fromXX/XX/XXXX. I never requested the statement only validation of the late payments. XXXX XXXX XXXX has violated section 623 ( a ) ( 3 ) of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting all late payments be removed. Please see attachments for all correspondence.
Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud
Freedom Mortgage has a very, very dated website that is extremely troublesome and won't process payments half the time. I have reached out to their customer service to see if there were options to pay my bill besides having to call the customer service number and speak with a representative. In XXXX when I attempted to pay my bill, I had issues and sent several emails with no follow up. Please note, there were additional problems making the XXXX payment. I was unable to pay on the site, through the automated system, and got disconnected from waiting on a customer service representative. I called on XX/XX/XXXX alerting the representative of the troubles I encountered the previous night. She stated there were a few issues due to heavy processing at the end of the night on XX/XX/XXXX. She stated that a supervisor would call me to assist. I never heard from anyone until I called after I was reported 30 days late on my credit. Please note, the company acknowledged that they received my email about issues with payments but the ball was dropped. I did alert the representative that a call was made to make my payment on XX/XX/XXXX but it did not go thru. They have marked my credit ( which has dropped scores tremendously XXXX, and they will not budge and offer a goodwill adjustment. I provided the company with a copy of my call log showing I was on the line with Freedom Mortgage for 14 minutes before being disconnected. I have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. I emailed all of the executives, including the CEO. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) outlining problems with ability to make payments. It is very alarming that when I reached out for help the month before with customer care and leadership, no one offered assistance.
On XX/XX/XXXX, I disputed a credit inquiry with the company known as XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me correspondence in writing informing me that the credit inquiries will be deleted based upon their reinvestigation. XXXX XXXX authorized Experian to delete the credit inquiries from my credit report. Experian wrote me a correspondence by mail also informing me of the inquiry deletion. However, as of XX/XX/XXXX, I logged into my Experian.com account and noticed that the credit inquires were not deleted from my credit file. I also have attached a copy of the letter that Experian maied me verifying that the inquiry from XXXX XXXX was deleted.
I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP
On  XXXX , recevied notification from  ProCollect  as collections agency,  XXXX   XXXX   XXXX ,  XXXX  Texas,  XXXX . #  XXXX . The letter advised that I had 30 days to take care of a debt which I did not know I had. The collection agency is working on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . In  XXXX    XXXX  , I was  XXXX  to  XXXX  for 12 months, as I am a member of the  XXXX   XXXX . I provided the  Apt management  with a copy of my   XXXX   XXXX   reflecting that I was being  XXXX  and I needed to be release of my lease agreement.   I did not get notified nor did my parents who are co-signers get notified by   XXXX   XXXX   XXXX   that I was being charged rent for the remainder of the lease. The  Apt management se nt the debt to collection agency.  <P/> My credit status is important to me and  XXXX  career, I do not want any negative reporting on credit reports as the creditor failed to comply to notifying me of the debt.
My friend attempted to send a money transfer through XXXX. I went to pick up the transfer and was told he had to contact a compliance number in reference to the transfer. My friend was told that I had gotten too many transfers and they were unable to fulfill the request. He had to pick up the money and the transaction was cancelled. I contacted XXXX and they told me they were unable to provide me with any information about the matter as they were limited. They offered no assistance and would not even state how many transfers it showed for me. I asked for a supervisor and she told me the same thing as the agent. My issue is : I have not gotten any wire transfers through this service. There were XXXX sent this year for me and I was unable to accept either XXXX due to XXXX denying me the ability to do so.
XXXX is stating I have an American Express Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that American Express does not report incorrect information on a person 's credit report needs to be ensured going forward.
My husband has a private student loan he obtained before our marriage ( I was a minor ). He was delinquent, and in talk for a payment plan with them, when a judgement was filed against the both of us. I am attaching paperwork we signed showing that this judgement was to only be against him. Despite this, I have a judgement listed on my credit report.
American Express has not complied with the law. The Fair Credit Reporting Act ( FCRA ) allows you to get a free credit report if your application is denied. However, you can only get a free report from the credit reporting company that provided the report used by your lender to make its decision. The lender must provide instructions on how to request your report from XXXX or from XXXX of the other national credit reporting companies, depending on which company provided the report. In XXXX letter American express stated its denial was based on a FICO score from XXXX, but it did not provide instructions as to how to get a free credit report. The law states they must do this and refusal to reinstate an account is the same thing legally as a refusal of credit upon application. And therefore they did not comply with the law, another instance of no valid proof as to why they closed our account or anything else, because they are misstating the facts and not complying with federal rules, laws and regulations in any regard.
I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX  from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX Mortgage loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature. Thank you,
After viewing my credit report I found out that a medical bill was sent to a collection company. The medical service was from XXXX and I was insured. They are a third party company and should not have access to my medical information. This is a HIPAA violation.
BB & T letter with provided dated XX/XX/XXXX account number ( see subject ) could not find any account with my information. They asked for information, I provided the account number they associated with the bogus account and they wanted an account number. There is no account. I have purchased 2 homes since and this is a non issue when I show letter. Stop reporting this false credit report.
we purchased a manufactured home in XXXX and obtained fha financing. To date-Tax records do not show our property as real property- they only have it listed for XXXX for the land value. We have tried since XXXX to get the original mortgage company ( XXXX ) to correct documents and file with the tax office. Until this is completed we are not able to file for homestead or over XXXX exemption. We also applied for a loss mitigation and were denied due to unresolved liens shown on the title search. all of the liens showing were for similar names and not ours but they were unable to correct the deeds and used that as excuse for denying the loan. They were already in the process of trying to foreclose but were not able due to title issue. in XXXX XXXX, we were sued by XXXX XXXX, Tx for unpaid taxes on the manufacutured home which was still listed in the previous owners name. We could not get XXXX to pay the taxes until we contacted HUD. they in turn contacted XXXX and told them they needed to pay the taxes. In order not to lose our home we had to file chapter XXXX bk and started making payments again. Once our loan was sold to Loan Care- our payments were increased from XXXX to XXXX due to the escrow shortgage, We were not able to pay the increased amount. Once loan was sold to Seneca, Our payment were then again dropped back to XXXX, But they would not allow us to make payment unless we paid the full arreage. They will also not speak with us since we have filed Chapter XXXX and state they can only talk to Trustee for BK- So here we are 5 years later without a home listed in the tax records. I have attached copies of all tax records, letters, petition for suit.
I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.
repeated calls with no message just today XX/XX/2016 XXXX XXXX XXXX XXXX
I paid off my car loan with Chase Bank and it reported it as Account Closed and my credit scores have gone down. I need this to be corrected.
THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.
We went on XXXX XXXX last night to get more information about starting the process to refinance our home. Starting at XXXX am this morning, we have received 21 phone calls from a XXXX area code. After multiple calls, my husband picked up three times and requested to be removed from the call list. Calls still persisted and so I called a gentleman back ( who had previously left a message ) and told him to please remove us from ALL call lists for his company. He said he can take us off of most of the XXXX area code phones but that his company is " pretty persistent. '' 21 is an unacceptable number of calls for being from XXXX ( which is very early! ) to XXXX, and I consider it a form of harassment!
We purchased a house at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015. The house is in the name of XXXX and XXXX XXXX and XXXX XXXX. We were told that we had to use XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ; telephone # XXXX. The mortgage with XXXX XXXX, # XXXX is only in the name of XXXX and XXXX. The reference # at XXXX XXXX is XXXX : XXXX. My daughter, XXXX and her family are living in the house, and we want to file for a homestead exemption. However, XXXX XXXX has not filed the necessary paperwork with the Recorder in XXXX County, XXXX. The deed and mortgage have not been recorded. We have called and emailed XXXX XXXX many times all summer long, but can not get this recorded. Months ago, they told us there was a paper that did not get signed at closing. They sent us some papers, we all three signed them and sent them back. Still, nothing gets done. We told them we are going to sue them since we will have to pay higher taxes without the homestead exemption, and still nothing gets done. The recorder in XXXX County, XXXX advised us to contact the Attorney General. I filed a complaint with the XXXX Attorney General who advised my to contact the GA Attorney General. They sent me to the Banking and XXXX XXXX and they sent me to CFPB. Please help us to get XXXX XXXX to file the necessary paperwork with the Recorder in XXXX County, XXXX to get this sale recorded properly.
I have no idea what this loan is about. Please remove from my credit as I did not do a joint account with no one for XXXX. Thank You
I noticed an unrecognized and unauthorized transaction on my credit card. 
Since I am a busy person, I have not noticed this suspicious transaction up until my accountant asked me about it when he reviewed my statements before the tax season. 
I feel really bad since I contacted the bank twice and both times they rejected my claim without providing me any proof that it was me that actually made those transaction. 
I would like to get all the details on why the bank decided to reject my claim. 
It does not make any sense that i will lose over {$5000.00} without getting any answers.
XXXX XXXX, 2017 Equifax became aware of a breach in security that included stolen information for 100+ million people. It has taken well over a month for the company to disclose this information to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to protect themselves by adding alerts or be on the lookout.
XXXX XXXX, 2017 I became aware of a security breach wherein millions of people and I were put at risk of fraudulent activity. I have gone forth and put a fraud alert on my accounts and looked over my credit report for suspicious behavior. I have verified with the Equifax site, and my information in fact has been breached by this incident and I am still not sure what the resolution for this mismanagement will be. I would like Equifax to find a speedy resolution in order to put the millions they put at risk at ease and put more measures in place to aid those like me who are affected.
Equifax and   XXXX   show my score over  XXXX  points below  XXXX . Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose  one of five o ptions that identify me, but ev ery one thr u propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in  XXXX  Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I hav e 100 pe rcent perfect payment history. My c card utilization is a t 19 p ercent. I have never been late I have never had a bankruptcy they show  XXXX  hard inquiries that are not mine!! I make  XXXX  a mo as a   XXXX   XXXX   specialized and certified in  XXXX , same job for almost  3 ye Rs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
I received a bill and numerous phone calls from XXXX XXXX. I explained that I know nothing about the debt and to please send me proof of it. They claim it was from XX/XX/XXXX and the debt is for {$1000.00} from XXXX. The bill says I could settle for {$350.00}. I have now asked 4x for  proof of debt to no avail. Today I saw it was on my credit report and account opened XX/XX/XXXX. This is total nonsense. I have had XXXX for as long as I can remember. I need assistance. Thank you
I applied for a loan modification through BSI in XXXX. Ileft several messages with BSI including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. BSI will not acknowledge receipt of my application. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me.
I have contacted XXXX, XXXX, and Experian several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
I opened a Home Depot Credit Card thru Citi Bank inXX/XX/XXXX. I have only used this card once for a {$32.00} purchase. I had never received a statement or email about the account balance but did go on line in XX/XX/XXXXand pay the full amount due off. At the time I believed the payment had been made and I had a XXXX balance on the account. It seems that they had never collected the payment which I did not realize. I never received a statement from them and in XX/XX/XXXX I received an email saying the payment had never been made and that I now had a balance of {$130.00}. which included interest and late fees of 3 times the original purchase. I immediately called Citi Bank to discuss this issue and was treated very badly by several of their representatives. I was also asked if I would like them to take the money owed from my checking account that they already had that information in their records. Which proves that I did make the payment in XX/XX/XXXX or they would not have had that information. It was not my fault that they did not collect the money from my account. After discussing this they finally did remove one late fee and I made a payment of {$53.00} to bring the account current leaving what should have been a balance on the account of around {$42.00}. I received a statement finally in XX/XX/XXXX and they had added another late fee ( even thou we had discussed the amount owned and I had paid what they requested ) to the account bring the total owed of {$80.00}. I feel that I have been over charged in fees I have paid the original purchase off and now am being charged late fees on late fees. This seems to be a rip off in my opinion and Citi Bank is over charging consumers and has unfair billing practices. I will pay the {$42.00} on top of the payment I already made of {$53.00} because I can not prove that the payment was not originally made but am very upset over the additional XX/XX/XXXX late fee charge. In total I will have paid {$95.00} for a small charge of {$32.00} and will still owe an additional late fee of {$35.00}. Which I am sure next month I will receive another {$35.00} fee on top of that late fee charge. This has also affected my credit report.
False in formation is being published about me. I have requested the source of this information on multiple occasions. I continue to get correspondence back in the mail after a long period of time, but it is never what I have requested. It is almost like they are holding my information hostage.