WillisBack/dataset-financial-user-claim huggingface dataset:
I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute.

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : XXXX/XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$290.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$420.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.
I am unable to access my funds with the American Express Serve Acct. since XX/XX/2018. I was advised to cancel my card. Upon doing so I was also advised that i could pick up another card at the store to link it to my already opened verified full service use acct to have access to my acct. Now I have not received my card yet and have checked everyday since mon XX/XX/2018. I have been on the phone at least 5 times and talked with only 1 supervisor as one hung up on me before saying hello and have been hung up on by a couple other different reps for reasons I can not understand. I could if I was rude or degrading or offensive or cursing and threatening but I was loud and angry maybe but none of the others above. I am given no opinion for accessing my money. I even asked them to cover the overnight cost but was told no. I have a very awful divorce from an abusive man and I have court and need the last of my funds to my name for gas or he gets everything. I do not think it's right to be told no I can not access my cash I put on my card in an acct i opted to have with them. How can a company withhold me from my money. It's not a check pending or a credit card for cash advance it's a checking acct with a debit card. How can they tell me no I cant have my money. I cant even send cash to myself for a fee. So I even tried opening a new acct since I could link the card I bought and loaded with more cash per their advisement and I cant transfer it. I cant even close one acct and have the money deposited into my other American Express serve acct cuz it's in my name. I then got charged my monthly maintenance fee though I can not use the acct and they would not refund that either. I'm disgusted. I'm disappointed that a company like this is going to keep me from my cash deposited funds.
I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.
I AM AN XXXX - DID A LIQUIIDATION APPRAISAL FOR JP MORGAN CHASE BANK XX/XX/2016 - CAN NOT GET PAID NEED SOME HELP XXXX XXXX XXXX, NC XXXX APPRAISAL # XXXX -
To whom it may concern : After several years I am finally able to refinance my mortgage. In requesting my payoff there was a " corporate fee '' /escrow fee added to my outstanding mortgage balance of {$11000.00} that according to the current loan servicer XXXX XXXX was transferred from Selene Finance XXXX XXXX/XXXX/2011. 
I recall I used to pay my own property taxes and insurance directly, when my original loan originator XXXX XXXX sold my servicing to Selene they began to impound my property taxes and insurance. There was an arraignment of escrow payment to cover the amount that was paid out by Selene. 
I want a complete breakdown of items that derived this " corporate/escrow '' of {$11000.00} balance that was transferred to XXXX XXXX. I have no recollection as to how this substantial amount was derived. This is a substantial amount of outstanding fees. It has been very frustrating trying to identify where or how they were accrued. I would appreciate all your assistance in providing proof of how this amount was accrued, thank you. 
How do these small mortgage servicing company 's get away with adding such large amounts to outstanding mortgage balances without informing the borrowers. We are extremely upset that our outstanding loan balance is {$11000.00} more than we had anticipated, our new payment is affected etc. Very frustrating trying to track down the disconnect.
I recieve a loan from XXXX on XXXX 
Could not understand there on line classes and dropped out the next week they did not dismiss my load until XXXX   Not i am resposable for repayng the entire course. {$7000.00} I feel i should not have to pay for this couse because i dropped out the first week. This has been a total scam.
I received the loan repayment information in the mail stating that I needed to begin repaying the Parent Plus Loans my daughter used to go to college on. I told them that I could not make those payment at this time due to my financial hardship I was going through. The told me that they could offer me a foreberance on the loan until I can make the payments. I ask what was that, and they explained to me that I would not have to pay right now and I would be allowed to take a break from making payments I said OK but I was not told that the interest was going to continue to pile up against my loan. The loan was for {$40000.00} and now I believe it had grown to over {$100000.00} with the tacked on interest that is now due. I do n't think that was fair to me for them to pile that interest on me without offering me something else.
I sent and been sending Debt Validation and QWR among others and have not received proof of validation. Only stories that can not be proven. 
Also I have sent a Notice of Rescission and they did not respond or file a lawsuit within the 20 days. The note and deed of trust are Void. As per the Unanimous Supreme Court decision in the XXXX XXXX 2015 decision. 
The latest notice of verification of alleged debt dated XXXX XXXX, 2015 and XXXX XXXX, 2015 were totally ignored by The XXXX ( the Trustee ). I did get a letter from SPS, Inc which in effect was a none response. Did not send the following 1. Copy of the original alleged note accompanies by an affidavit from alleged lender 2. Did not identify to what the debt pertains. 
3. Did not detail how the alleged debt was calculated 4. Provide copies of any papers that show that I/we agreed to pay alleged debt. 
5. Identify the original creditor. The Note and Deed of Trust is now Void due to rescission. 
6. Did not Provide the agreement between the creditor and both XXXX and SPS , Inc. which authorizes XXXX and SPS to collect funds.d 7. Did not provide evidence that they are licensed to collect debts in the State of California. 
8. Did not providtheir evidence of license numbers and then alleged lender 's registered agent. 
9. Did not provide evidence that the Statute of Limitations has not expired on this accounted. 
I am not in default. 
Please see attachment
I received a " Letters Of Dismissal '' from the " Office Of XXXX XXXX XXXX XXXX, Administrative Law Judge '' dated XXXX XXXX, 2015, telling me that charges by " XXXX XXXX XXXX And XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the doctors charges ( {$24.00} ) and the hospital charge ( {$150.00} ) had been dismissed by a Administrative Law Judge ( XXXX ) and the original debtor, XXXX XXXX XXXX XXXX XXXX XXXX, that they agreed not to pursue any payments from me. The collection company, '' Designed Receivables Solutions, INC '' I, refuses to acknowledge this and will not take this debt off my credit report to the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) I filed a complaint with XXXX and XXXX. They ( the collection company ) did have the collection debt removed from XXXX, but not with the other XXXX credit reporting agencies ( XXXX and XXXX ). I sent them a letter with copies of the dismissal letters and a copy of the their bill asking them to stop calling me and take this collection debt off my credit report, on XX/XX/XXXX.They have n't done so, as of this date XXXX XXXX.
I filed complaint against Bank of America refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against XXXX XXXX XXXX from Bank of America. They do not want me applying a credit card with reward points that they do not like my appearance and XXXX issues. I complain against Bank of America that they insulted me in XXXX addresses that they denied my reward point with credit card application because of bad credit record and overdraft records. Report to US Senators and Speaker XXXX XXXX in charging serious requirement.
The collection agency is attempting to collect on a debt that is very old, and therefore the collector can not provide a suitable basis for further legal action. The account has been charged off and no longer appears on my credit report. However, the collector continues to harrass me. I receive fequent, often daily, phone calls from the collection agency despite repeated requests for these calls to cease.
My husband and I are trying to get a home loan, and the lender is not able to pull my Equifax credit report. I have spoken to two different Equifax representatives, and they are telling me that they can't find me in their system ( don't know how that is possible ). To my knowledge, I do not have a credit lock or freeze on my account, but if I did, I would think that Equifax would be able to tell me that. However, they have not given me any such information, and I do not know how else to get the problem resolved so that my lender can pull my Equifax credit report.
Checked my credit report 4 years ago saw there was a XXXX XXXX credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.
Over the course of the past 2 months, I have unable to secure the refund of approximately {$640.00} in overpayment on a vehicle loan I 've had with TD Auto Finance. TD Auto Finance has not disputed the owed amount but has used numerous tactics to keep delaying the refund. 
1 ) My vehicle ( XXXX GMC Sierra ) was traded in 3 months ago ( XX/XX/XXXX ) 2 ) At that XXXX TD Auto Finance was contacted about the loan payoff due to a trade-in for a XXXX Subaru at XXXX XXXX in XXXX XXXX IL. TD Auto Finance was presented with my home address, which was different from the temporary address I had at the time of purchase of the XXXX Sierra in XXXX XXXX. 
3 ) One month later ( XX/XX/XXXX ) TD Auto Finance automatically deducted another monthly auto payment of approximately {$640.00} because they claimed my loan payoff had still not been processed ( Even though my trade-in had occurred a month later ). I was told that as soon as they processed my payoff, I would be sent any amount of overpayment due me. 
4 ) By XX/XX/XXXX I still had not received my refund and upon calling was told that it takes a few weeks to process the check but that it was about to be sent out.. 
5 ) On XXXX XXXX I called TD Auto Finance again to say that I had n't received my check and when I asked where they had sent it to, was told that they sent it to my previous address ( they had not bothered to update my account information when informed in XXXX XXXX ). They said they would correct it immediately and send a check out to my correct address. 
6 ) On XXXX XXXX, XXXX I called TD Auto Finance again and learned that NOTHING had been done since the XXXX XXXX call - none of the actions TD Auto Finance said they would do had been acted on. They said that their notes aid that this was forwarded to upper management for expediting but it appears no action was taken.I told them that this is unacceptable and the agent ( XXXX ) stated that she would have the check that was sent out to the wrong address cancelled and that a new check will be sent to my correct address. She also stated that this would take 15 days. I complained that this time frame ( given the previous circumstances ) was unacceptable but she said that there was noithing she had the power to do. She also said that they can only send the check by regular USP mail and that no electronic ACH or courier service was available. I told that I made all my payments on time via ACH debit and that they should be able to reimburse via the same method. She stated that they ca n't. She also told me that they have no ability to notify me when the check will be sent or to provide me any notice along the process. 

I find this business policy TOTALLY UNACCEPTABLE and it flies in the face of any spirit of equity in the consumer finance sphere. 

At best, I hope that the CFPB can something to move this process along ( this company obviously makes it a policy to take advantage of the consumer and public at large ). I also hope this serves as notice that TD Auto Finance, while it may or may not be conducting itself legally, it certainly is unethical in the way it deals with it 's customers. 

XXXX XXXX.
Thursday, XXXX XXXX I went to the XXXX XXXX WELLS FARGO XXXX ( XXXX XXXX, NC ) to present a check for deposit into XXXX of my accounts. I have checking, savings and stock accounts for the past 16 years and the amount on deposit is about XXXX times the amount of the check, plenty to cover it. The check was from my brother in another state who is totally incapacitated and was endorsed to me for deposit to be utilized for his expenses. The check was issued by a nationally recognized corporation and drawn on the XXXX XXXX XXXX. The teller and bank manager refused to accept this check for deposit into XXXX of my checking accounts. I said that they could put a freeze on the amount of the check for a period of time, call my brother to verify this deposit but to no avail would they accept this check. I took this check to SOUND Bank a few doors away and presented it. In XXXX minutes they proceeded to accept this check and asked what I wanted to do? Ultimately I asked for a cashier 's check or XXXX so I could walk back to WELLS FARGO and cash it to demonstrate what great service a local, XXXX can provide. I collected my money and went back to SOUND bank to open a new checking account for my brother.
Transunion had a glitch in their system when I was in the process of buying a home. When I was going through the approval process, my credit report from Transunion did not have any inquiries. When my approval was in it 's final stages, there were XXXX inquiries that showed up on my credit report and now my pre-approval is in jeopardy. I have tried to contact them however, they have kept me on hold for at least a hour on both instances. I just want them removed so that i can have my loan approved.
I am trying to work with Carrington Mortgage to refinance my house due to my recent divorce. I started the loan process a couple weeks before my divorce. The took my information including phone number and email address. The mortgage company set up my refinance loan under my name and sent all the documents to my ex-wife 's email address and phone number. I have asked my loan officer 5 times to change my email to the correct email. To this day this has not been changed. We are legally separated now and they are sending important documents to the wrong person. I was also notified by Carrington that they have a Loan assumption program for the USDA loan. That is what my current loan is. They advised me to send a fax requesting the " package '' to be sent to me. That was two weeks ago and I have not heard or received anything. I then asked my loan officer about it and she informed me that they do n't have that option. I looked online and USDA does offer that package between myself and the lender. They are currently my lender so I should be able to assume the loan. They are also asking for an appraisal after I just had one done less than a month ago and submitted it to them. To top it all off I have called the business on many occasions asking for a call back and have not once received a call back in regards to my questions. I have a deadline to refinance by XXXX XXXX according to my divorce decree. I am afraid that timeframe will not be met based on the interactions I have had with this company. Between the lies, lack of communication or no communication for that matter I am getting frustrated with the process and do n't want to lose my home based on their performance.
I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other documentation.They provided me with billing statements which does not prove I am obligated to pay them anything.Do you have reported delinquent information to credit bureaus that I am asking to be deleted.
For some time now, Midland Funding , LLC has been reporting XXXX accounts to the various consumer credit reporting agencies as past-due or in collection. The XXXX account shows XXXX XXXX as the original creditor, account number XXXX ( partial ) and the other shows XXXX XXXX XXXX ( account XXXX ). 

I have sent several dispute letters to Midland Funding at the address they report on their XXXX and XXXX tradelines, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I have not received any response to my inquiries or disputes. I believe I now know why -- apparently the address they list for themselves in their reports to the credit bureaus is n't even their real address. I recently received my last piece of correspondence stamped " RETURN TO SENDER -- UNDELIVERABLE AS ADDRESSED. '' As of XXXX XXXX, 2016, Midland still shows ( I checked ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as their address on both their XXXX and XXXX reporting. 

While I 'm not an expert on consumer-protection law, I do know that debt collectors like Midland are required to report and communicate only accurate information, and I would think this includes things like their own address. Further, I think this buttresses my point that if Midland ca n't so much as report their own address correctly to the credit bureaus, the data about individual accounts and debts is likely to be wrong as well. In my particular case, the amount showing as supposedly owed to XXXX XXXX is more than double what the original creditor had showed. I also have no clue what the XXXX XXXX XXXX debt relates to. 

I would like for any response to be in writing only, so there will be record of it.
I requested my report from Experian using XXXX. They requested verification of identity. I was surprised since I had provided proof of identity when I last request an annual report from Experian in 2013, and my address has n't changed since. Nevertheless, I printed the request form and attached copies of my driver 's license and a recent bank statement with my address. 3 weeks later I have received a letter stating that Experian is unable to honor my request because the information I provided was either insufficient or illegible. Experian provides no way of disputing that assessment or providing further information - only of purchasing their products. I believe that Experian is deliberately and systematically raising barriers for people wishing to obtain free credit reports in order to promote their paid products by making them comparatively hassle-free. Dealing with Experian is dramatically more frustrating than either XXXX or XXXX. I believe the CFPB should crack down on Experian 's abuses to protect all the consumers that give in rather than deal with all the aggravation. Thank you.
I pay for XXXX XXXX XXXX through Experian and when I pull my report i get a XXXX score, then I go to buy a car and the dealer pulls the same Credit report from Experian and they get a XXXX score. The information belongs to us and I am paying for the service just as the car dealer, but they get a report with a credit score about 100 points higher. Why should I not get the same score.