WillisBack/dataset-financial-user-claim huggingface dataset:
I have initiated XXXX separate disputes with Experian for XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX
In 2010, Bank of America offered me a new Home Owners Assistance Mortgage Program, set forth by former President XXXX Obama b/c I was 2 months after being in my loan for 7 years on a 30 year fixed loan. They told me to stop making payments, & would n't accept payments until I was approved. 

Bank of America sent me loan documents outline the new terms of my loan, transfering from a 7 % to a 2 % for the 1st 5 years, then year 6 = 3 %, year 7 = 4 %, year 8 till close = 5 % ... and my two late payment would be pushed to the back end of the loan extending my term an extra 2 months. 

The Loan was sold to XXXX immediately after approval, and then to XXXX. 

This year XXXX sent me a payoff history, and future payments where I realized I still have 30 years left on loan, I asked XXXX " why do I have 30 years left on loan, when I have a 30 year loan & been making payments for 13 years already? '' XXXX responded, " They acquired the loan and the terms of modification re-set the loan clock back to 30 years again. '' I said, " No it was supposed to be 2 extra months. '' They told me to " refer to my loan modification document which explain this. '' I reviewed my loan modifications documents, and it states " the loan is to be extended to cover the late payments, about 3 months '' ... also the same as to what I was told on the telephone, not add anxtra 7 years aka {$72000.00} extra.
XXXX XXXX XXXX Account XXXX and JH PORTFOLIO DEBT EQUITIES Account XXXX ARE UNVERIFIED. 

XXXX has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 
XXXX HAS NOT PROVIDED METHOD OF VERIFICATION
Received notice that a collection had been placed on my credit report on XX/XX/XXXX. Saw that it was for an account I attempted to close on XX/XX/XXXX with XXXX. Contacted XXXX and was told that they made a mistake and would send me a final bill and recall the collection once the account was paid. Paid the account to XXXX on XX/XX/XXXX. Spoke to both XXXX and Allied Collection on XX/XX/XXXX, XXXX confirmed to me that the account was recalled from Allied on  XX/XX/XXXX and Allied told me that it would take 60-90 days to have deleted from my reports. Got an alert today, XX/XX/XXXX that the collection has been changed to paid and not removed from my reports. The entire thing happened because XXXX did n't send me a final bill when I canceled service onXX/XX/XXXX in writing. This is also showing as an open account on my credit reports.
My concern is that Caliber Home Loans has allowed alot of time to go by to tell me that I do not qualify for a loan modification. I have been working with them for 2 years and just recently they advised that my Investor which is XXXX XXXX, will not allow me a loan modification. I dont understand why they would allow so much time to go by to say that when i could have been seeking other avenues. Now I am going to lose my home on XX/XX/18. Please help.
XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.
I applied for XXXX secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XXXX XXXX and XXXX XXXX.
I have a property that was scheduled to close on XX/XX/2018. The buyer already had a mortgage commitment letter from Citizens Bank in XXXX RI. One hour prior to closing the closing attorney for the buyer notified me that Citizens Bank would not release the closing paperwork and would not provide the closing funds to the buyer. I had a closing on a new property scheduled for XX/XX/XXXX in a different state and my furniture was already in transit to clear the property for a walkthru. By denying the load at the last minute, it caused both closings to fall through and now my property is back on the market and I am currently renting in the new state. I called Citizens Bank to get an explanation on why they waited until the last minute to deny the loan to my buyer and they would not provide any explanation. The lawyer stated that it was because of a another property that the buyer had that was properly disclosed during the loan process. I have spoken to several bank managers and was told this should not happen hours before closing. This situation has caused me thousands of dollars in unexpected expenses and now I have to put my house back on the market at a less than ideal time of the year to sell.
So like many other Paypal users, i have a problem with this company. Here is my story ... 
On XX/XX/2018, my friend and partner sent me US {$26.00} from his XXXX Paypal account to my US Paypal account to pay his part of a business investment we have to do together. 2 days after Paypal blocked my account and i was not able to access it anymore. So i called them and they told me that my account was blocked because of a suspicious transaction and that to clear it, i have to send them an ID. My friend has the same problem and they asked him for an ID, his credit card infos and a bill to justify his address. So both of us, we sent all the documents requested by Paypal. My friend managed to finally have his account unlocked by Paypal but when i called them again, they told me that my account was suspended and my funds blocked for 180 days without any clear reasons beside than telling me that my account was involved in suspicious activities. I wrote to their appel department to appeal this decision but didn't receive any answer. 
I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal that in 4 years using Paypal, Ive never received any complaint about the payment made to my account. Plus since one year and half now, I use Paypal only to transfer money with friends and family so for one year and half, no payment that could cause a dispute was made to my account. Also i have never enfrunt any Paypal policies and I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Knowing than regarding this problem PayPal employees brought me nothing but arrogance, I'm writting you today for your help to fix it and help us invest in our project.

Thank you.
The interest rate on loan with Avant Credit was not disclosed at time of application/loan approval. I applied for a loan on or about XXXX of 2015, the terms such as high interest rate were not disclosed at time of application, Avant rep ( s ) claim otherwise. This might be due to a technical issue, my computer screen was not working properly at the time. I have since purchased a new PC. They are charging an extremely high rate of 35.94 %, this was not disclosed at the time or did not appear on my screen. Their rep, XXXX XXXX, defended the rate and claimed to have screen shots showing what appeared on my end, There is no way he has screen shots showing what was on my computer at time of application/approval. He can only show what they supposedly sent over on their end. Complaints were filed with XXXX XXXX XXXX XXXX, XXXX in Illinois, FDIC, XXXX in Illinois. The matter is still unresolved, XXXX XXXX as well as other Avant reps were advised payments on loan will cease until rate is lowered, they will not budge.
XXXX and Transunion are reporting me as 30 days past due on the XXXX XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
On XX/XX/XXXX, I received a letter from U.S. Bank, retail collections division. They implied they are filing a forgiven Debt XXXX form with the IRS for about 25,000 dollars that was discharged in bankruptcy, Case No. XXXX in the XXXX District of Illinois in XXXX. See Exhibit A. They are about to report a debt discharged more than two years ago in bankruptcy ( See Exhibits B, C, and D ) of which they had actual knowledge, to the IRS as money still owed to them, forgiven debt so I am required to pay taxes on it. 

They are hoping I do not know my rights under federal law for the Discharge Injunction which is still in effect since XX/XX/XXXX. They want me to call them and say " Hey, if I agree to a payment plan of XXXX a month, will you not report this on my credit or to the IRS? '' Of course, I anticipate they will defend themselves and say that they are new employees and didn't know about the bankruptcy, but they also " reported '' this " forgiven '' debt to the IRS in XXXX after I was discharged that year. This is a pattern of harassment. See letter from my previous attorney to them declining to provide documentation for their report to the IRS in XXXX of my " forgiven '' debt. 

They were notified of the bankruptcy when it was filed and listed in Schedule F of my Petition, and also notified of the Discharge on XX/XX/XXXX ( See Exhibits B, C, and D ). 

If the CFPB decides not to proceed, I can pay the fee to reopen my bankruptcy case, XXXX and seek formal sanctions in bankruptcy Court for U.S. Bank 's willful and knowing violation of the discharge injunction seeking to collect the debt that was discharged in Case No. XXXX, but I am offering them one last chance to leave me alone before I have to take this step.
This company calls repeatedly and never leaves a message. 

When I called back, they refused to identify whom they are collecting for or what I supposedly owe. They are rude, threaten legal action, credit destruction and wage garnishment. When I said Im on Social Security, they told me it didnt matter. 

Any outstanding debt I had has been dealt with.
On XXXX I transferred money over the internet using my credit via Western Union ( WU ). 
The recipient 's destination country was the XXXX of XXXX and XXXX XXXX XXXX XXXX. Total transfer was XXXX {$300.00} and the related transfer fee was XXXX {$8.00}. 
Today, XXXX ( less than 2 months later ), I attempted to repeat the transaction. The associated fee is now XXXX {$27.00} ( almost a 400 % increase. ) I reached out to customer service ( CS ). While on hold the hold-music reiterated the {$8.00} fee for XXXX, XXXX XXXX and the XXXX. Various agents in CS referred me to Corporate Headquarters ( XXXX XXXX ) who is checking XXXX. 
Unfortunately, WU may be providing false advertising and manipulating prices unfairly. Can you check into this and advise? 
Thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX m : XXXX
Seterus, Inc. has failed to remit my {$1500.00} escrow reimbursement within the 30 day post loan payoff period required by law. This is my second filing of a complaint against Seterus with the CFPB as your records will show that I have had other problems with this incredibly inept company. I paid the loan off on XX/XX/XXXX and have not received my check and it is now XX/XX/XXXX and I have had several phone calls with Seterus trying to get my money. They claimed they mailed a check on XX/XX/XXXX but I do not believe them as I have not received a check.Seterus should be fined and penalized for its incompetence and law breaking. XXXX should be alerted to its misconduct and should cancel its servicing agreement with Seterus.
XXXX XXXX ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I had a XXXX Credit Card for XXXX XXXX. On XX/XX/XXXX I learned that they charged me a finance charge of {$1600.00} on a {$1500.00} debt. I had paid on the debt more than always on time and more than the minimum amount. 
Apparently my 24 months of 0 % APR had expired on XX/XX/XXXX. Thus they charged me interest/finance charge on the original amount. They charged in on XX/XX/XXXX and I spoke to them about it on XX/XX/XXXX and offered to pay the total amount I owed - which was {$1500.00}. 
I escalated the matter to several managers and they told me that I had some wiggle room around the XX/XX/XXXX but because it was outside of 2 - 3 days they could not help me. I ended up paying the full amount. 
I understand that I did not read the fine print as closely as I should have. I also was getting paperless statements. 
I am asking if you can help me out so I can get some of the money back.
Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.
CitiMortgage continues to deny my application for loan modification despite the fact that I have sufficient income for modification. Citi refuses to consider me for a loss mitigation option deriving from the National Mortgage Settlement Agreement. With my income I have the ability to repay approximately {$720000.00} in Principal and Interest over a 30 year term. Citi, however, will not consider me for a principal or interest rate reduction and they deny me because they say that I can not repay my arrears within a " 3 to 6 month term ''. That is a ridiculous requirement and in clear violation of the terms of the National Mortgage Settlement Agreement. Citi is moving my foreclosure forward and intends to sell my property at foreclosure auction. Citi has been dual tracking my loan in violation of 12 C.F.R. 1024.41 ( g ).
EXPERIAN # XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Experian, XXXX or XXXX address ] XX/XX/XXXXTo whom it may concern : RE : Credit Repair Accusation /suspicious disputePlease be advised that I have received your computer generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on [ XX/XX/XXXX ] by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me -- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated XX/XX/XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter, '' thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have a merchant credit card with XXXX and Comenity Bank. I signed up for this maybe a year and a half or two years ago. Since then XXXX stopped services with the company. I was told by the local store manager it was because the company they used ( Comenity Bank ) was not treating the customers right and it was adversely affecting business. fast forward to the last 6 months and I begin noticing a trend with how my payments are being processed. I will make said payment and it will not come out for many ( upwards of 6 days ) days if at all. I have money in my account when " the payment fails '' so why is n't it going through? I investigate with Comenity first and they said it was due to lack of funds. I know they are lying obviously so I call my banking institution ( XXXX XXXX XXXX XXXX ). What they told me pretty much takes the cake. XXXX has no history of a payment inquiry coming in from Comenity at all. It is at this point that I realize Comenity bank is manufacturing reasons to jack up my interest rate and charge me extremely high late fee 's. Now they have three different collection agencies calling me at all hours of the day and night harassing me and have reported against me on my credit report. This is very unethical business practices.
I have an authorized and fraudulent inquiry listed on my Experian Credit Report. The following inquiry is fraudulent and unauthorized : XXXX Credit/XXXX. Further, I have addresses listed on my credit report that do n't belong to me. I have never lived at the following addresses and I want the addresses deleted immediately from my entire file and credit report : XXXX XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
The information that is being reported to my credit report is incorrect. Credit reporting agency will not give source of information to verify. Shows XXXX state tax liens and bankruptcy. I have repeatedly disputed this information and continue to get the same answer without a source. I have contacted the Clerk of Superior Court and they state that they do not report to credit bureau.
After Looking at my credit report on XX/XX/2017. I see that XXXX XXXX is still Reporting inaccurate Information to the Credit Bureaus. 

I have asked for proof of Debt more than once from XXXX XXXX XXXX RE : Account : XXXX Creditor : XXXX Under Fair Credit Report Act 15U.S.C & 1681g. With no response. And they continue to report  inaccurate reporting.
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER XXXX.