WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX   XXXX/XXXX  Account # XXXX CONTACT INFORMATION XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late onXX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
In XXXX had a financial problem, because of the decline in the economy I was not able to collect my income from my job. Over {$70000.00}. was owed to me and I could not collect it. 
I tried to pay whatever I could on my mortgage. They returned the payments that I made to me and put me in foreclosure. I hired two different attorneys to help me and have paid over {$6500.00}. plus {$1200.00} to the Trustee on a Bankruptcy that was incorrect. 
I now have a sale date on my home for XX/XX/XXXX.
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information Att wireline. XXXX XX/XX/XXXX XXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX  XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...
We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!
The check assist people in XXXX Florida contacted me about some checks I had written and she was treating to have me arrested for a bunch of charges that I have never comeited, she also said that if I did not cooperate. With her in finding someone else that she was going to have me arrested on more charges. I think that this is a very deceptive tactic.
National Credit systems on behalf of    XXXX   XXXX   XXXX   removed the account from credit report and placed it back the same day. According to FCRA, they were supposed to notify me 5 days before placing it back, which they did n't. They violated FCRA. This should be removed from my credit report. I paid to have it removed after they did this, so I need my money refunded as well.
We have sent i n 3 sep arate payments totaling {$5300.00} to bring our mortgage current. I have spent hours on the phone with  Specialized Loan Servicing and have had  XXXX  tickets open to research and look for our payments, all of which have been taken from my checking account. One p ayment was sent as a personal check via  XXXX  on  XX/XX/XXXX , processed and taken from my checking account on  XXXX   XXXX ,    2017 f or {$1200.00}. Another payment was sent as requested via  XXXX   XXXX  for {$2300.00} on  XXXX   XXXX ,  2017. Ano ther payment for {$1800.00} was sent via  XXXX   XXXX  for {$1800.00} ON  XXXX   XXXX  , 2017.      We will go into foreclosure this coming week if the company does not prioritize this and find our payments and properly apply them to our loan. These total equate to more than 5 months of payments. I ca n't keep taking the time to call over and over again, each time having to explain the situation, and each time being told the same things over and over again. PLEASE HELP!!!     I am attaching what I can to provide confirmation of these payments. The company has these items, with the exception of the receipt for the {$1800.00} payment. However, I verbally gave them the reference number for the  XXXX   XXXX  as requested. I need to locate that receipt and I will then email that directly to the company. A bank statement has not been issued for that date, yet, but once issued I will send that as well. Hopefully this is all taken care of by then!     Attachments :   Bank statement confirmin
g  XX/XX/XXXX  check payment. Bank statement confirming both the  XX/XX/XXXX  and  XX/XX/XXXX 
  XXXX   XXXX   payments.     Receipt from  XX/XX/XXXX    XXXX   XXXX
The apartment complex I lived at claimed that I owe them rent payment for the new tenant, who was moving into my old apartment, because the new tenant decided to move in two weeks later than the original move-in date. 

I had told the management several times my lease is up, and I am no longer liable for when the new tenant decides to move in. However, the management and corporate office of the apartment complex continue to argue that I am liable because I am not off the lease until the new tenant physically move in. 

Nonsense! My lease expired, so do not try to make me pay for something that has nothing to do with me. Yet, the corporate office continues to sent harassment letters for 1.5 year-after I have ask them to stop in writing. 

Then they sent false information about me owing them money, along with my personal information like addresses, ss #, telephone, etc ... to XXXX collection agencies, XXXX of which claims to be a law firm. However, the " law firm '' I called had no lawyers there, and there was no working email addresses. The manager I spoke to gave me to wrong email addresses-sketchy. 

Furthermore, the " law firm, '' and the manager at the " law firm '' I spoke to sent me a letter threatened to collect and get a judgment against me. I kept telling him I do not owe any money, and you have no proof I owe the apartment complex any money so why are you still harassing, threatening, and bothering me? 

The man would not answer, would not let me speak to an attorney there because there is none. This business have had many complaints online, and even a lawsuit I found against them for misrepresentation of information, acting or holding themselves out to be attorneys when they are not, and their way of disputing the debt is by not listening, and continuing to say, " we 're going to go ahead and collect. any information will be used against you, etc ... '' I do not owe any money, and you do not have any evidence I owe any rent money so you need to stop, leave me alone, close my account, and end all contacts with me! 

How is this business able to operate still? They uses false identities, claiming they are lawyers in the business of collecting debt when they are not, and not knowing what the law is but trying to scare me by saying it 's a federal violation. 

A federal violation for NOT owing debt to the apartment complex???? This " law office dba Gerald E. Moore and Associates, PC '' needs to be shut down, fined, be prosecuted, and face contempt of court. 

What false information they gathered about me they are doing to many others. These nonsense, harassment, and evil conduct need to stop immediately!
I loss my son back in XX/XX/XXXX. I have tried working with Kohls and they just closed my account on me even after I spoke with someone on the phone and let them know what was going on. So I mailed a letter on XXXX/XXXX/2015 asking that the phone calls stop and I get up to XXXX calls a day that I can prove if needed I will get a copy of my phone bill. The number call from ( XXXX ) XXXX ( XXXX ) XXXX I know for a fact once a company has received notice not tocontact by law they can not call you by phone anymore. I 'm getting these calls everyday. I want it to stop. I know they received my letter because on XX/XX/XXXX telling me to call the XXXX number to set some type of payment plan. I feel that they have violated my rights and thinking about looking into what my rights with the federal trade commission.
On XX/XX/2017, Equifax Inc. revealed that its computer systems were hacked several months ago due to negligence in their IT security. Because of this, a large amount of my personally identifying information was released without my consent, as identified by the website equifaxsecurity2017.com.
This has the potential to impact me by increasing my risk of identity theft, and poses a risk to my credit history should I try to obtain a loan in the future.
l C systems inc. bought an old incorrectly reported debt that I had removed from my credit report, ..the previous collection agency " XXXX XXXX '' inaccurately parked it on my report and I vigorously disputed this false charge and it was finally removed from my report. But now I C systems Inc changed the amount by {$1.00} and is trying to claim it as a new debt on my report! RE-AGING..
On XX/XX/2018 the tractor that I had leased with Cresco Capital broke down on XXXX, XXXX bound to XXXX , Tn. I had the truck towed to a local company there. ( XXXX XXXX XXXX of XXXX Tn ) however, after the diaqnosis, they found problems with the DEF system and mentioned to repair it would be {$14000.00} which they would need half upfront to start the job. therefore, I mentioned this to the lease company and they said I would be responsible for all repairs. Afterwards, I fronted {$7300.00} and as they started to do the work they found addtional problems which meant additional cost. after estimates came back to the tune of {$16000.00} I again reached out the lease company explaining that I was willing to front as much as {$15000.00} toward the repairs minus the initial cost and ask if they could assist me in any way, which they refused. So I contacted the repair shop and ask if they had any credit applications for in house financing for repairs and they said yes and before I could get the application back to the company, the truck had been repossessed and placed derogatively on my credit.
On XX/XX/2018, I checked my US Bank savings account balance, and withdrew {$160.00}. The savings account was not credited until two days later, after I had already checked my balance and withdrew {$200.00}. US Bank credited my account for both transactions ; resulting in an overdraft and overdraft fees. On XX/XX/2018, I checked my balance, and immediately went the US Bank location that I frequent. I was told that it was the tellers error for both transaction, but I am to be held financially responsible and that I could not close my accounts until I took care of that responsibility. Only when I warned them that I would contact the CFPB, and that they violated the Dodd-Frank Act did they close all accounts I had with them. Prior to this incident, the same issue occurred with my checking account deposits being held and my withdrawals going through creating a negative balance, and while I was there another couple was there dealing with same issue.
I am currently in the loan modification process with a sale date on my property for XXXX. I have complied with Ocwen loan servicing , LLC . I am very concerned about the sale date while in the modification process. My relationship manager assigned to my modification process said to me on XXXX at XXXX pacific time. I have a complete modification package submitted. Along with a letter to clarify a mistake on the XXXX tax return that showed I had XXXX businesses but I only have XXXX business. There should be no sale on my property at this time. Please stop the sale date while I am in the modification process.
In XXXX 2017 it was announced that XXXX XXXX XXXX  were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
I have been on an income-based repayment plan for my student loan for several years. Recently, my loan servicer, XXXX, sold my loan to XXXX XXXX sent my income-based repayment ( IBR ) application weeks AFTER they say it was due. They mailed it on XXXX XXXX, 2016, according to the date on their letter with the application. It arrived on XXXX XXXX, 2016. Their letter said the application had to be returned to them by XXXX XXXX, 2016 -- weeks BEFORE THEY SENT IT or I 'd have to start paying {$71.00} a month. 

I wrote a letter along with my IBR application, explaining that I could not send it in before they even mailed it to me. They ignored my letter and began billing me.Apparently, they wo n't process my IBR, although I have been in the program for years and should be paying {$0.00} based on my income. 

I can send you the letter, the application, and any other evidence. If you look at the XXXX XXXX you 'll see they are doing similar things to lots of other people who were on IBR and have been unfairly removed from it by XXXX. This outfit is a scam, preying on people who ca n't afford to fight them.
I called this company and wanted to pay the {$86.00} debt on my credit report. I wanted to pay it so they would take it off my credit report and this lady told me I owed over {$400.00} and she would take my payment but she would n't remove the derogatory remark off my credit report but XXXX reporting was coming up and she would place debt on there that I have no records of. So I hung up on her and am now wondering what else I can do and if this is legal.
This information is in regards to a check that I deposited to start a company to start a home business they told me to go deposit the check it was a XXXX XXXX XXXX and told me to all the places to go to buy software and computers and things like that so when I did Bank of America automatically close my account I did not know this was a fraudulent company so now it's keeping me from opening any account here XXXX where I live now I have a checking account in XXXX XXXX but I can not use it for my job 's over here
On XX/XX/XXXX I made an electronic mortgage payment of {$13000.00} which included my monthly payment of {$580.00}. I stipulated the excess funds be applied to my principal balance. The payment was applied without an issue. 
On XX/XX/XXXX Nationstar withdrew the regularly scheduled monthly mortgage payment from my account, {$620.00} ( {$580.00} regular payment & {$30.00} applied to principal ). Later that day I made an electronic mortgage payment of {$12000.00} to Nastionstar Mortgage specifying the entire amount be applied to the principal balance. I received confirmation from Nationstar the payment was received on XX/XX/XXXX ( Confirmation # XXXX ). The payment would have left a balance of approximately {$800.00}. To date the {$12000.00} has not been applied to my principal balance despite 3 phone calls ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and one email ; XX/XX/XXXX. I have not received a response to my email. With each phone call I was assured the issue would be resolved in XXXX to XXXX hours. I requested an email response at the end of the XX/XX/XXXX phone call with Nationstar representative, XXXX, Badge # XXXX. He assured me I would receive an email response from his supervisor, I have not. 
Today, XX/XX/XXXX I spoke to supervisor XXXX XXXX, XXXX ext. XXXX. She explained the funds were not applied to my balance because the remaining balance was such that Nationstar typically contacts customers to ask them to submit the entire payoff amount. I have n't been able to get any sort of response from Nationstar much less a cold call asking for more money to payoff the loan. 
As an aside I must say each representative I spoke with was courteous and tried to be helpful.
Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( XXXX and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in mid-XX/XX/2019 nor provided the XXXX XXXX MO XXXX XXXX a release of debt. I am in danger of losing this mortgage due to this matter.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$470.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU {$470.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX