WillisBack/dataset-financial-user-claim huggingface dataset:
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX    XXXX   XXXX   5.   XXXX  XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX
I submit a request through annualcreditreport.com, but Experian will never provide it. Instead I am asked to mail identification and a copy of a utility bill. This is a nuisance. Experian should provide the report to me free and online, as the other XXXX agencies never have a problem doing this through annualcreditreport.com. This happens every year with Experian.
Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years.

I called the company they are choosing to represent them ( Messerli and Kramer in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.
My vehicle was paid off by the at fault driver 's insurance company following an automobile accident on XXXX XXXX. An overage is due to be refunded to me, as my account balance was paid in full. I have made repeat phone calls to Exeter Finance regarding money they owe me, approximately XXXX. Every time i call, they are reviewing it. A payoff amount and warranty refund was sent over 2 weeks ago, XXXX XXXX, 2016. To date, it 's still being reviewed by a department that no one can speak with. My account is still open and showing that i owe them. They keep assuring me all is fine. It is not until i receive my overage check, my account is closed, and reported to the credit bureaus as paid in full.
. I am a single mother of XXXX including my XXXX daughter ( XXXX. ) I have a XXXX and XXXX year old daughter, and my mother who XXXX also live with me. I have a loan with XXXX. I had some financial trouble, and the loan was modified in 2015. At the time of the modification we ( XXXX and myself ) were attempting to have the loan balance that was in default helped by Keep Your Home California. It was going well, XXXX agreed to be a part of the program. In XXXX of 2015 I was informed that the new service provider Amerinational was not interested in the program. That meant that although XXXX had already modified my loan with thought that the overdue part would be assisted by keep your home California, that delinquent portion was carried with me to the new servicer. I have since that time always been 90 days behind because I cant make up the money. I am now facing foreclosure for a total of {$3600.00} although I fully qualify for Keep Your Home California, I am going to lose my home because a servicer that I have no control of wont participate. How is this fair?? 
I can afford my mortgage, I just cant afford the extra overdue amount. How do I get around this? I 'm being disqualified from a program that I qualify for because, a company that has no interest in my well being does n't want to participate. I understand that they cant be forced, but why not have another option? How do I take a XXXX person to a homeless shelter? How do I protect her, my teen daughters, my mom, and myself in a homeless shelter? How do I leave my XXXX daughter to look for a job during the day at a homeless shelter ... that if they have room for a family of XXXX. What if they do n't? Who sleeps on the street? How do I make my kids know that this is there new reality? Why is this okay? I have lived in my home for 10 years. My XXXX does n't remember any other place ... How is this okay?
I am complaining against Early Warning because they are denying me my FCRA Right to block fraudulent information that is reporting on my early warning file. I went to open up a checking account and was denied because of information that is reporting on my early warning file. The fraudulent information is being reported by XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never had any type of banking relationship with these institutions. I filed a police report with the XXXX County Sheriffs office and listed these accounts on the police report. I filed a complaint with the CFPB and attached a copy of the report and got a response from a XXXX XXXX. He requested for me to fill out their identity form which I did and returned to him by email. I contacted today their customer service number because today is the fourth business day in which they have to block the fraudulent information per my police report. They are denying me my right and telling me that the information is sticking to my file. I explained to them how could this be legal and they are telling me that is what is going to be and I can file a rebuttal. This can be considered a rebuttal through the CFPB portal. This is not legal and I need this matter resolved as soon as possible.
Equifax has not responded according to the Federal Law. They say they are only a repository and do not have to have to investigate information that is being reported by a creditor. They refuse to delete outdated information and i want them fined. They are not above the law. They disputed my information with CFPB on XX/XX/2017 and they think that is enough. I again submitted a complaint that CFPB says they are working on this but there has been no response by Equifax. They continue to report outdated and non-verified information on my credit file. They are LEGALLY responsible to delete outdated and non-verified information. I AM DISGUSTED WITH ALL OF THE GOVERNMENT AGENCIES AND THE CREDIT BUREAUS WHO BY THE WAY ARE A " FOR PROFIT ORGANIZATION. '' IT IS UP TO THE CREDIT BUREAU TO REPORT ACCURATE AND VERIFIABLE INFORMATION. WHY AS CONSUMERS DO WE HAVE TO FIGHT FOR OUR LEGAL RIGHTS!!!!!!!!! THEY CONTINUE TO NOT SEND ME A FULL CREDIT REPORT. I WANT A FULL CREDIT REPORT AND NOT SOME STUPID PAPER ASKING ME TO REQUEST MY CREDIT REPORT VIA THEIR FORM. SEND ME A FULL CREDIT REPORT AND I MEAN IT!!!!!!!!!
I have tried to resolve a dispute through experian credit agency about incorrect information being reported on my credit file. I filed a dispute and then another and was told that they will not dispute it again.I have several accounts being reported as charged off and balances when these accounts were clearly under chapter XXXX protection.
XXXX XXXX-showing a XXXX balance. XXXX XXXX showiing a XXXX  balance.
XXXX showing a XXXX balance. XXXX XXXX, charged off. According to FCRA " things that can not be included in credit report are currently owed and active, charged off, having a balance due, late or delinquent or outstanding debts.This also appears in chapter XXXX laws which I am protected.
Experian is clearly in violation of several laws of FCRA reporting and Chapter XXXX reporting I want the items listed on my credit report to be accurate and fair.
I am filing a complaint against Capital One for refusing to investigate a credit dispute with XXXX XXXX for custom draperies. It was for a transaction posted on XX/XX/XXXX for a total amount of XXXX dollars. 
I was misled by XXXX XXXX XXXX decorator, XXXX XXXX. she installed a completely different style than what we agreed one ( She installed a very cheap drapery style ) .I sent to Capital one pictures of the style we agreed on and the style that XXXX XXXX installed. Even the contractors who did the installation agreed the style installed is different that the style I expected. XXXX XXXX failed to deliver on what we agreed on. Relying on false statements from XXXX XXXX, Capital One closed the case, and refused to reopen it. I had previously filed a complaint through the CFPB with documents of tremendous importance, which should have helped decide the case in my favor. That is only if the investigator was willing to investigate the case. Unfortunately, the agent who was in charge of the investigation called me one time and said that they would do a thorough job investigation the case. But they never did. Capital one failed to resolve the issues. Though i provided all required documents, they denied the dispute based on false statements issued by the Merchant. This is what they said in the letter they sent : " Based on the information we received, the merchants decision not to honor your refund request was based upon the original drapes being incorrectly measured. The merchant advised that they remeasured and reinstalled with exactly what you ordered. As a result, we re-billed the disputed transaction ''. I disputed the charges because i did not receive what the decorator agreed to install. I received a completely different style. That has nothing to so see with measurements. 
I should also mentioned that I tried to resolve the case in good faith with the XXXX XXXX. On XX/XX/XXXX, the same day the custom draperies were installed, i emailed the store manager, letting them know that a different drapery style was installed. They said they would contact me and they never did. I also contacted XXXX, the decorator who even came to my house on XX/XX/XXXX to inspect the installation. She was in agreement that a different style of drapery was installed. She said she would contact her store manager on the next steps. On XX/XX/XXXX, she called me to let me know that she would not redo the installation. 
I have already sent supporting documents to Capital one. With no success I called capital one multiple times.That is why I have decided to file a complaint Through the CFPB
Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my {$1200.00} mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because of the devastating loss of the value. I paid another company to help me to intervene. What I did n't realize is that Seneca Mortgage servicing only reduced my payment, but redo it for another 40 years. I did n't know this until I came back home from helping my ill family. I consider this practice as PREDATORY LENDING. I need help in getting this issue resolved. I should not be starting over for another 40 years when I 've had the house for 26 years already. WHO DOES THAT. They split the mortgage into XXXX, XXXX is for {$120000.00}, and the other is for {$55000.00}. The house does n't worth this {$170000.00}, and I should n't not be starting over. I thought that after two years of not missing any payment, they will forgo the {$55000.00}, part of the split. That was my understanding. Seneca Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Home address : XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need set up a new financing plan that does n't include the {$22000.00}. Please help me!!!
I am interested in refinancing my mortgage. The company that originally funded my loan, Coast 2 Coast Funding Group, in XXXX XXXX, California ( later sold it to another mortgage company ) reached out to me about refinancing my loan. I asked them to provide me a Loan Estimate. They then ran a Hard Inquiry against my credit without my authorization. When I questioned XXXX XXXX, my contact, as to why he ran my credit without asking me first, he told me that since Coast 2 Coast was the original company who funded my loan, the authorization I signed in 2015 will allow them to run my credit report at anytime for the life of the loan, without further authorization from me ... even though they sold my loan to another company. I have asked for, and received Loan Estimates from other companies as well, and none of them ran my credit to provide the Loan Estimate. To add more fuel to the fire, XXXX keeps saying that he is " sorry I did n't understand '' and " sorry that this somehow seems confusing ''! Very frustrating and unprofessional. I would like the Hard Inquiry removed from my credit report. I would like other buyers to beware of Coast 2 Coast Funding!
In XXXX I was a victim of identity theft, where my deceased mother purchased an apartment with my name and initials. Then again, in XXXX in XXXX my social security and name was used to purchase another apartment without my consent. I reported police reports but the collection agency have not resolved this problem with my credit. 

Company 1 : XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX
XXXX / XXXX /  XXXX   {$680.00} I did not sign, nor did I authorize this charge, I have disputed this charge, and submitted complaints, however,  chase  has simply ignored the facts that this charge was not signed for by me, nor authorized by me.
My Federal Student Aid printout shows XXXX as servicer of XXXX of my loans. When I attempted to contact this agency, the recorded message referred me to Immediate Credit Recovery. That agency refused to give me any information on income based repayment. It also refused to send me anything in writing about my loans. It does not appear on my credit reports.
I have an account XXXX in regards to predatory and collection practices of Green tree servicing. I now have XXXX mortgages with them my primary house and an inherited property. They are unreasonable unaccomadating menancing and treat you like a homeless XXXX person reprimanding me at every turn. It was stated by one of the representatives if you are a XXXX and you make this much money you have no excuse to fall behind on your mortgages!
I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from  XXXX   XXXX ,   XXXX  . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.
On XXXX/XXXX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XXXX/XXXX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XXXX/XXXX/XXXX to which I immediately called XXXX for an opt-out again. Today, XXXX/XXXX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
I have no idea who Receivable Performance Management is or  who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
the person they keep calling for does not reside here. My number they call is for work related calls only, and is not given out for contact by anyone. I asked them to stop calling and to add my number to their do not call listed, but they said they do not have a do not call list. this is getting very annoying since they call so early waking me up. this morning it started at XXXXXXXX XXXX and the company information is Contract Callers Incorporated Address : XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX
We are requesting that the company drop the amount show on the balance. We will take further actions. Which involve sending it over lawyers. It is not my right account number or address on this Great Lakes Bill. We are asking for this balance to be closed account.
We Will also turn you in report violations on the company. If any more letters show up.
Take care, Best Regards XXXX XXXX.
Bank is telling back in XX/XX/XXXX that they did not receive my loan payment. Which they did receive. All my loan statements have shown that i am paid to date. XXXX XXXX XXXX  takes my payment out every other week and sends them a check. I have check numbers to prove this. They just this week sent me a late notice paper. Before this one i received this week i have not received one in the past. My account is paid up to date and they are telling me its not paid up to date. They have also reported me to the credit so my score dropped tremendously. I have called them they are making me wait till XX/XX/XXXX for answer on how they are going to fix this issue.
So the Debt Collector Resurgent Capital Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC, XXXX has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under XXXX, XXXX. This dispute was opened on XXXX by the better business bureau and still XXXX, XXXX. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ( XXXX XXXX XXXX ). 
1. This debt was added to a credit report without being verified. Incompliance with FDCPA 1692e 1692f and if it has provide official written proof in detail. 
2. This debt has still yet to be verified with consumer as of XXXX/XXXX/XXXX XXXX. Upon dispute from the BBB the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against XXXX. Have failed to mail any documentation to the consumer regarding the debt 5. I demand that this be removed from my credit report for the above violations. If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from XXXX XXXX, XXXX. 

I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.
Bk -XXXX*chapter XXXX BK -- XXXXChapter XXXX BK-XXXX-Chapter-XXXX disputed these should not be on report credit report agencies never responded
Early Warning Systems stated I was in their database due to an account with BBVA. I have never had an account with BBVA and I have contacted them to inform them of such.