WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Credit Bureau and Bank Of America Re : Bank Of America Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim This account was validated and is in fact accurate, despite my claims of the opposite being true. This is a formal notice that your erroneous claim is now formally disputed. 

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 that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
I wrote a letter in XX/XX/2018 to Ditech requesting a modification of my mortgage for a few months. In XX/XX/2018 I was approved for interest only payments which I paid. In XXXX I was told that Ditech reversed their decision. I tried calling several times to find out about this change in the decision and asked to speak with a manager. Instead I was only referred to customer service reps. The company provided no last names of employees and has no voicemails. In addition, are these customer service reps qualified to make decisions on these important matters? I then received a refinance package that I did not request. This would would allow Ditech to charge additional fees. I believe this company is a predatory lender. I reported this to the South Dakota Dept. of Labor and Regulation/division of banking. They forwarded my complaint to Ditech but I have heard nothing to date about this matter. I have had my house on the market since XX/XX/2018. My current tenants have not paid rent and I need time to vett new tenants, hence the request for a modification for a few months. Refinancing is not appropriate for me at present but this is the only option that was offered so that more fees can be collected.
In XX/XX/XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XX/XX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX contacts XXXX, XXXX tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and XXXX. This is also happening with XXXX 'XXXX XXXX ( credit card now through Synchrony Bank was through XXXX XXXX ). XXXXXXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX XXXXs XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Please remove this account from my credit report XXXX  BK XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
I have a Hard Inquiry for a request for Credit I DID no authorize from a XXXX XXXX XXXX XXXX on my Equifax credit report, additionally there is NO valid contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, Equifax and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.
I mailed TransUnion a letter that contained the most recent and accurate information along with the dispute on the account with XXXX. It was sent on XX/XX/XXXX, but their response to the issue number XXXX did not address it.
- I received a credit card from XXXX Bank on XX/XX/2018 which I never applied. 
- I did not activate this card - On XX/XX/2018, I got an email from XXXX asking me to activate the card. 
- Upon looking up my emails, without my knowledge, someone has registered at XXXX website using my email on XX/XX/2018. 
- On XX/XX/2018, I received a call from the bank regarding verifying a transaction and I called back the bank using the number mentioned in the call. I found that a credit card application was made on XX/XX/2018. I requested the bank to cancel this application and the card.
I have a chase account which is being charged {$35.00} a day, I am in the minus today XXXX/XXXX/15 over XXXX XXXX dollars. My account number is XXXX, I have been a customer for just three months. I am really concerned about this, I read all of the information and the lawsuits with this bank. I would appreciate customer service calling me and waiving these fees! I would love to stay a customer with this bank and I would make sure not to use it on a daily basis. What is the protocol with my overdraft protection, what rights do I have?
LastXX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX
My full true and legal name in the United States is XXXX XXXX. It is the only name I have ever used when applying for credit or financial products which is the only thing my credit report should be used for. I have never applied for a financial product with an alternate name since that would be considered fraud unless it was a miskey by the loan officer or corporate representative. 

Experian is refusing to remove aliases I never provided from my credit report. My assumption is so that XXXX XXXX can continue to use my information to obtain housing and financial services using financial products that have a second market credit rating system. 

The names that Experian is refusing to remove from my report which I never provided are as follows : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Not only is this information inaccurate, it is insulting. 

In addition to the names which I never provided, Experian is refusing to delete addresses which do not belong to me and have been deleted from reports at other credit reporting agencies. 

Attached is a report from XXXX showing it has deleted the same addresses Experian is refusing to remove from my report. 

There are also three phone numbers on my Experian report that do not belong to me. 
Experian seems to put any information provided to them on their report, which some appears to have come from private investigators working on behalf of creditors who have violated Federal Law. 

One of the creditors is XXXX who I have filed several complaints against. At least one with CFPB. 

Experian is demanding that I contact the creditors to have my address updated and sent to them which I refuse to do, especially with XXXX as they have private loans that have fallen off my credit report and I do not want to " trigger an event '' that will cause the loans to come back on my credit report. 

In the case of one of the addresses which is a commercial address, Experian is claiming XXXX provided the address. I closed the account in XX/XX/XXXX and the first time I visited the address, which again is a commercial address, was in XX/XX/XXXX.
Back in  XXXX , after the building industry collapse I missed payments on my mortgage. I applied for a home modification through  XXXX   XXXX   XXXX . They held a  XXXX  and  XXXX  on my property. I was denied a modification, at first, then a new application package arrived by fed ex to fill out and sign before a certain date.. During that process, the  XXXX  loan was  sold to Bayview Lending . They then sent countless application packets. I filled them all out. After getting denied 3 times for a modification, I tried to do a " Deed in-Lieu ''. That too got denied several tim es. I tried to short sell the property. Denied. All denied, but foreclosure dates kept moving. Last year I was contacted by an investor saying they could deal with the lender and had EXPERTS to deal with this and get it sold for me. They found buyers on several occasions, and each time bayview accepted the offers at first. All the proper paperwork had been filled out. They foreclosed the property 2 days ago. This whole process felt devious, uncoordinated, and incompetent.  <P/> My complaints are wit h : Bayview Lending   XXXX   XXXX   XXXX   XXXX   XXXX
Today I reached out to TransUnion due to me looking over my latest credit report from this particular bureau. The reason being is because I noticed XXXX hard inquiries that I did not authorize. When I was connected to a young man in the dispute department about my concerns. Instead of him asking for more detailed and personal information the customer service rep tries to push me to the idea of calling a company by the name of XXXX XXXX XXXX. The young man states that I should take advantage of the XXXX XXXX XXXX special deal for {$99.00} I could not believe that he was more focused on pushing me to call XXXX XXXX XXXX instead of helping me with the following inquiries that I have no knowledge about - 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, XX/XX/2019.
After a year of struggle to get my admin order cancelled i finally succeeded in it and send the necessary documents trough to trans union to update my records, according to the information on the websites it is suppose to take 20 days, i have also paid lawyers to do so and it is 4 months from the first queries and it is still not done. There is also a judgement which was paid up already many years back and i have only recently notice it i have also paid the lawyers to get it cleared of my name which is still laying on my name. 
My credit report is a very important part of my career at this stage and it is a bad reflection when i apply for other positions, i have suffered along time with this decision of going under administration many years back and have paid the consequences for it. If i could ever advice anyone i would never give them that option. All i want at this stage is to clear my credit report. 
Please can you assist me in this matter
This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.
I have disputed a collection account showing on my credit report now for more than 3 plus years. The result has always came back as stating the consumer dis agrees from both company and XXXX XXXX and XXXX. 
I have only had 1 XXXX XXXX account and my credit reports state that as well and that the account was paid, never derogatory and closed at Consumers request. Dispute all of my evidence that proves that there is not debt to collect, this debt still lives of {$1000.00}.
I applied for a free bottle of supplement with a company name XXXX XXXX. I canceled the membership before the trial period ended, also the card I gave them was closed and a new card was issued. Suntrust allowed the XXXX XXXX to charge a card they did n't have to authorization to charge nor did they have the card number.I am in GA and my family was affected by XXXX XXXX and because of Suntrust negligence, my family has been without food 2 days.They are refusing to reimburse fees for an illegal transaction they authorized. NOT ME. I NEED MY FUND 3 DAYS AGO. 

PLEASE HELP
On XX/XX/XXXX I went to XXXX XXXX XXXX and had a change of financial responsibility done. I knew there would be a credit check done. I asked the woman at the store if it would be a soft inquiry or a hard inquiry. She told me soft. I told her we can proceed with the process. If it was a hard inquiry I wouldnt have done the change. I contacted equifax and they told me they cant do anything about hard inquiries being removed from my credit report and that Id have to contact XXXX XXXX XXXX and have them send something electronically to equifax. XXXX XXXX XXXX said they dont have the capability to send anything electronically to equifax to have it removed. So Im at a standstill. Neither company wants to rectify this unauthorized hard inquiry that I did not authorize.
I was advised/promised by a customer service representative for XXXX/XXXX who was advising me about consolidation into the income based repayment plan that my already qualified 6+ years of payments under the XXXX Loan Forgiveness program would be included after I consolidated. 

I recently discovered this is not only not true, these previously qualified payments do not count, but that there is also no process to appeal or review this decision. I was given false information and made financial decisions based on this information. 

If I had known I would lose almost 7 years of qualifying payments for working for non-profit agencies I never would have consolidated. I would have continued to pay the same rate for 3 more years and been finished. 

These programs are designed as motivators for people who are willing to make less money doing non-profit work. I 've upheld my end of the bargain. I 've never missed a payment or even paid late. Instead of being almost done, I 'm now faced with almost starting over again. This raises my qualifying payments to 17 years instead of 10. 

This is not right. My attempts to find help or people willing to discuss this issue with customer support are useless. Customer support agents are rude and often do not know what they are talking about or seem to make things up to end the call. I 've learned this the hard way. 

This situation needs to be made right. I have all the confirmation numbers for every payment since I graduated college. I recently learned from XXXX XXXX employee ID XXXX ( FedLoanServicing ) that this exact thing happens " all the time '', and there 's nothing that can be done. I do n't understand how a servicer who is handling my federal student loan can lie to me and I have to suffer whatever the financial consequences. 

Please help. 
Respectfully
I am getting continued calls at my place of employment from CashCall. I have asked them repeatedly to stop calling, XXXX XXXX and XXXX XXXX are two of the dates I can recall. When I asked them to stop this XXXX person said she would once my debt was repaid.
We applied for a refinance loan and met all loan criteria, income, ratios, etc. We also paid for an independent appraisal that Ethos Lending chose for us. The appraisal came in at $ XXXX for our home. For whatever reason Ethos chose to get a " desk review '' of the appraisal. The reviewer did nothing more than look at comps, no visit, nothing but challenged the valuation by the appraiser. The reviewer 's work was shoddy and even Ethos said he was out of line. The first appraisal was in line with other sales in our HOA development and we provided proof of this. But in spite of this, Ethos wanted us to pay to obtain a second appraisal. In the meantime Ethos changed the Good Faith Estimate twice on us from their original amount due to their delays. They are completely out of line to deny us the loan and the truth is they have completely left us hanging and gave us NO written reply as to what was going on. They could have at least said we will approve you for a lessor loan amount. Nothing. No response.
Sin ce 2014 w hen I graduated from  XXXX   XXXX . I was inf ormed that Navient would be my loan servicer. Unfortunately this has been nothing but a headache. I had only started working this passed year. Between then and now. Navient has harassed me about my loans. They have even called daily if not twice a day. I also suspect that they have use many times a autodialer or robo dialer. On top of the harassment by Navient. The reps I have spoken to have never tried to put me in to any income based repayment plans. Furthermore there has n't even been any discussion of any options I may have. They just kept pushing me in to forbearance after forbearance. It was only after I had spoken to another company did I find out that I have options. It has come to my attention that there are a number of law suits against this company I have even wondered why an injunction has n't been filed against this company.
After filing multiple complaints with the CFPB, Nationstar Mortgage continues to fail to follow the law. XX/XX/XXXX marks the tenth month that Nationstar has not provided us with a monthly mortgage statement since they assumed servicing of our home loan in XX/XX/XXXX. We are not in bankruptcy, the only exemption that would permit Nationstar to not send a statement. 12 CFR 1026.41 ( e ) is clear that there is no exemption under which Nationstar is not obligated to provide us with a monthly mortgage statement. Additionally, Nationstar still has not provided us with the disclosures required by 12 C.F.R. 1026.20 ( d ) concerning the change in interest rate on the note. Despite multiple complaints and communications with Nationstar they still refuse to make the required disclosures or to provide monthly mortgage statements.
We have Wells Fargo mortgage and the insurance company. After deciding to switch homeowner insurance companies. Wells Fargo suggested we use their company. We found out they do n't have an insurance company, and instead uses XXXX 's. We were paying the insurance company directly, then wanted to see how it work if Wells Fargo paid through an escrow. When we tried to close the escrow account, Wells Fargo claimed we agreed to pay escrow for the " life of the loan '' which is neither a legal requirement nor a contractual one. They sent a copy of the papers which do not confirm their statement. In fact, our mortgage agreement states " XXXX '' is due for escrow. The mortgage was created in XX/XX/XXXX, and the escrow account in XX/XX/XXXX. Attached is the monthly payment agreement page from our contract. 

Your agency is not looking at the papers, and Wells Fargo is aware that you are not reviewing them. Wells Fargo is engaging in fraud by submitting false documents under of the pretense of compliance. We have no contractual obligation to keep an escrow account especially since they are holding three times the legal limit RESPA sets. 

PLEASE CONDUCT AN INVESTIGATION.
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.