WillisBack/dataset-financial-user-claim huggingface dataset:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXXs will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
I pulled my credit report to provide to a loan company to co-sign for purchase of a property. I saw the entry for ICSystem & reported it as an incorrect entry to the credit bureau. Within 2 weeks, I received a notice from ICSystem regarding a XXXX account totaling {$300.00}. I have not had a XXXX account for a number of years & have never received any correspondence from ICSystem or XXXX during that length of time. I believe this is a fraudulent attempt to collect money where none is due or owed. I have requested any/all documentation that exists regarding this alleged balance due.
They keep calling. When I answer there is silence, then they hang up. I 'm suspicious that they 're recording my voice.
In XX/XX/XXXX I submitted a dispute to Experian over the telephone. I am unable to submit a dispute online, because I have an extended fraud alert on my file. The fraud alert has been on my report since XXXX. Today I pulled my Experian Credit report, and discovered approximately ( 7 ) inaccurate items that I believe belong to someone with a similar name. I called 6 or 7 times trying to get through, and kept receiving an automated message that my estimated wait time was over two hours. Eventually I got through and the rep disconnected the call. Then I got through again and I was repeatedly transferred back and fourth being told I needed to discuss my dispute with a different representative. I believe all this was being done intentionally, because I have previously filed another complaint with your agency against Experian. There is also the presence of a fraudulent P O Box address listed on my Experian report that does not belong to me. I never did get a rep to file my dispute which means that I will now have to mail it, causing additional delays in getting due process to resolve this issue. I believe that Experian Credit reporting agency is reluctant to allow me to file my dispute. In the past I have been told by reps at Experian we can not dispute your account due to a previous investigation.
I have asked for them to send me proof of the debt and they have refused. They will not even send it via XXXX Signature requested. I believe this debt is not mine and they will not prove it but has harassed me via mail and phone and now threatening me with a lawsuit.
Medical debt of my minor son is his father who 's guarantor of his health insurance. I never received any medical bill from dr
All XXXX credit bureaus are reporting a " student loan '' showing as the US Dept. of Education. Through investigation from US Dept. of Education XXXX the account was sold to XXXX - then after it was sold to a debt buyer " XXXX XXXX '' the account was paid in full by the IRS. The debt buyer XXXX XXXX is illegally misrepresenting themselves and not only showing the balance is still owed but by also falsifying their name as being the US Dept. of Education to illegally report. Debt buyers per the FTC in regards to FDCPA can not report on credit.
I have contacted Experian, through U.S. Mail correspondence, to some information they were reporting on my credit report. After the initinal ivestigation they sent me a letter stating they verified the information and it was correct. I then requested any copies or original documentation, ie a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) in four more requests by U.S. Mail signed and notarized stating I was not requesting an investigation since they had already stated they completed one, but again the documentation that is required by law showing what I have previously stated ; each time this was requested Experian would send me a letter stating the information was verified and updated but I was never sent the information requested. 
The last correspondence I received from them was XXXX XXXX, 2017 and again they only stated they completed an investigation and it was verfied and updated.
XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and  have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.
I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?
Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account.
I took out a loan for {$210.00}. Shortly after that, I had someone break into my car and steal my identity. The robbers broke into checking account and filed taxes in my name. This caused me to go delinquent with XXXX. After I was able to fix the damage that the robbers did I tried to pay my balance that I owed XXXX XXXX. They told me that I would have to pay them XXXX. I explained my situation but they refused to work with me. I think that it is unfair and predatory that they will not allow me to pay the balance that I owe them. In addition that is harming my credit. Please help me!!
First National Bank Checking XXXX On XX/XX/XXXX I received a phone call from the bank. I was told that there were two withdrawals fraudulently made for a total of {$500.00}. 

XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$200.00} ) XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$300.00} ) I went to the bank branch office immediately and filed a claim. The bank deposited {$500.00} into the account. 

On XX/XX/18 the bank withdrew the {$500.00} out of the account. I called XXXX. The person in the call center could not reverse the withdrawal or tell me the reason that the funds were withdrawn.
I HAVE CONTACTED XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF {$120.00}. THEY SOLD THIS ACCOUNT TO XXXX XXXX AND THE ACCOUNT WAS PAID IN FULL. THEY SHOULD NOT REPORT THIS ACCOUNT SINCE THEY SOLD THIS ACCOUNT TO A COLLECTION AGENCY. THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A COSUMER 'S ACCOUNT TO A LATER DATE AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING ACQUISITIONS OR SALES, MERGERS AND OTHER TRANSFERS. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION.
I opened a credit card with First Tennessee bank XX/XX/XXXX. received the card about 4 weeks later. when i went into my online banking to add the credit card to my screen, I found out that besides my checking account from XX/XX/XXXX, and the new credit card. i have a third account that has been hidden. it was a checking account that was opened without my permission. I called customer service and the agent on the phone said i opened the account same day the credit card was opened. the agent just offered to close the account with no explanation why the account was opened in the first place. i sent an email requesting explanation and they replied 4 days later saying basically the phone agent took care of closing the account and again without explaining what happened. 
this was engineered in a way for me to never find out about it. it was hidden from my online banking. no debit card was sent to me. 
I checked with my husband and other relatives who ban with First Tennessee. and after digging deeper found similar situations. separate CFBP complaints will follow.
Criminal Enterprise - Experian. I signed up for a credit report/Fico and while I apparently thought it was a one-time report, it apparently ( no doubt small print somewhere on payment page ) was a monthly recurring charge. Then when i saw these charges on my VISA, I learned that YOU MUST CALL XXXX NUMBER TO CANCEL. They have the most fantastic, most robust, most functional website on the planet, except you have to call XXXX, WAIT 30 MINUTES ON HOLD, to cancel!!!!!!
The creditor CBA COLLECTION BUREAU OF AMERICA is still showing OPEN on my XXXX   account, even though it was discharged in XXXX Bankruptcy. XXXX shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as XXXX   report trade line shoing still OPEN. 

I have disputed this more than once through XXXX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for XXXX. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Experian says it will show on my credit report as a released tax lien until XXXX XXXX. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.
In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. 
It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.
XXXX XXXX card services bought my XXXX XXXX   account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update XXXX, nor will XXXX follow suit with the correct information being reported to XXXX and XXXX. I have disputed through XXXX and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to XXXX   and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from XXXX, and they continue to harass me with phone calls despite my communication via XXXX ( disputes ) that the debt was discharged. Furthermore, I informed XXXX that XXXX and XXXX had the same account information reporting correctly, but XXXX refuses to follow suit. 

Thank you for your assistance.
I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls
I had an account with people 's trust federal # XXXX that is listed on XXXX and Equifax as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment
All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while XXXX shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and XXXX $ XXXX/TransUnion {$150.00} Status : XXXX : 30 days late/XXXX ; : 60 days late/TransUnion : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called One main they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone number. Also the letter didn't say why I was denied.
My credit report is showing World Omni account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
This company has reported information on our credit report. It needs to be corrected. This is a letter sent to them. 

XXXX XXXX, 2016 XXXX/Executive Services Legal Department XXXX XXXX XXXX XXXX : Per our conversation of today, I am faxing this complaint. 
In XXXX we applied for a Modification. We have not been late with you and have continued to pay our payments through the trial period on time. We have an {$8000.00} Line of Credit. We are quite disturbed to find out the XXXX has posted a 30 day and 60 day late on our Credit Report ( see attached ). We were never notified of this practice and were not informed " if '' we proceeded with the Modification that this would happen! This is against the law and we want this removed and corrected IMMEDIATELY! 
I am attaching the copies of our payments for the last three months, Trial payments as well as a copy of our Credit Report item in this complaint. 
Please contact us immediately upon receipt of this notification. 
Sincerely,
Hunter Warfield is attempting to collect a debt in which I am not obligated to pay using incomplete and falsified documentation. I have been in contact with Hunter Warfield by phone for several months off and on as I am an XXXX XXXX service member and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when all of this started. The initial circumstances leading up to XXXX XXXX attempting to incorrectly charge late fees and and change rent were while I was XXXX on XXXX XXXX XXXX and caused by a change in XXXX Ownership and management. During the change, XXXX changed website and cancelled my prearranged method of paying my bills. Due to circumstances relating to my XXXX XXXX service and XXXX status, it was incredibly difficult to login and pay rent owed. Additionally, XXXX began leaving notices on my door indicating impending eviction and harassing letters on my door even at my request not to do so because they were public and embarrassing. As a result of this situation, I arranged to have my belongings moved and gave 30 days notice. XXXX refused to remove erroneous fees from my account, so I calculated and paid what I owed them. Following my leaving, XXXX hired Hunter Warfield to collect the alleged debt. Hunter Warfield contacted me by phone some time following my XXXX in XX/XX/XXXX and alleged I was obligated to pay an unsubstantiated amount and insinuated if I did not pay the amount it wouldnegatively affect me in some way. I offered to pay what I owed in move out fees, but HunterWarfield refused payment. I also requested Hunter Warfield to provide documentation verifying debt  owed. Hunter Warfield responded nearly an entire year later in XX/XX/XXXX, while I was on my third XXXX during this dispute, with an electronically signed lease with handwritten figures and no signature pages. Upon my return to the US in XX/XX/XXXX and receipt of Hunter Warfield letter, I  then secured legal representation and had my lawyer write a letter to Hunter Warfield in an effort to resolve this matter. Hunter Warfield did not respond to attempted correspondence and reported false information to the credit reporting mechanisms. This situation has affect me financially and is now starting have some affect on my job and standing in the military.