WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in a constant battle with Experian Credit Bureau for the last year and a half. They have ignore my request to dispute fraudulent accounts manufactured in my name, and they have never sent me any information about them investigation my concerns. They are the only credit bureau reporting this inaccurate information, and what sucks is they are used the most by creditors for financing. 

Fraudulent Accounts XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX
XXXX, account number XXXX, the original creditor and XXXX XXXX XXXX, account number XXXX, the debt buyer for this account are appearing wrongfully on my Equifax credit bureau report.BOTH accounts have inaccurate and incomplete information regarding the payment histories and date of first delinquency.They are both two months away from the 7yr mark since accurate date of first delinquency.XX/XX/2011, the account was 30 days late and then never brought current.Both state 1 year later and that is called re-aging. 
The dates in both items are inaccurate and upon inspection conflict with each other and appear as non-factual. 
BOTH accounts should be removed from Equifax credit file for their incomplete payment histories and inaccurate dates on just about everything stated.
Navient is still reporting a past due amount on their website and trying to double collect on agreed upon student loan for settlement with the collection agency XXXX, XXXX, XXXX XXXX. 

In the following attachments you can see the settlement with XXXX, XXXX, XXXX XXXX. You can see the payments reflected in the payment history in the second attachment and how Navient is trying to claim a past due amount. You can see in the third attachment the loan is still showing up for payment on their website even though they said after 2 payments it would be taken down. Two payments would have been XX/XX/2018 and XX/XX/2018 so by XXXX according to them the loan would no longer be showing as past due. 

I spoke to Navient in XX/XX/2018 after reaching a settlement with XXXX, XXXX, XXXX XXXX. I spoke to them in XX/XX/2018 where they re-assured me the payments would be reflected accurately on their website. 

In addition as of XX/XX/2018 I can no longer make payments online to XXXX, XXXX, XXXX  XXXX as I have been doing since XX/XX/2018. According to XXXX, XXXX, XXXX  XXXX Navient won't allow it. So I can only make telephone payments through XXXX, XXXX, XXXX  XXXX with no confirmation number to show proof the payment went through. Instead I have to check back later that the payment posted both in my bank account and on XXXX website. This is absurd and an attempt to prevent me from making payments correctly and on time so they can try to trick me into violating our agreement. 

Navient is making payments difficult via telephone only no confirmation number payments through XXXX, XXXX, XXXX   XXXX, Navient is trying to double collect payments on their personal website while showing the account is past due despite a settlement being reached, and Navient is not accurately reflecting the agreement that was reached via their collection agency XXXX, XXXX, XXXX XXXX on Navients website and has not updated it or removed as they promised in XX/XX/XXXX and XX/XX/XXXX to do so after 2 monthly payments through XXXX, XXXX, XXXX XXXX.
Wells fargo check my credit with out my permission. I received a letter that had my credit score from wells fargo.
CFPB Complaint Against Dovenmuehle Mortgage I was caught in an unfortunate situation and in order to save my home, I found myself having to declare bankruptcy. This was due to a significant reduction in income. I filed for bankruptcy on XXXX XXXX, XXXX and received a discharge on XXXX XXXX, XXXX. Although I have continued to make payments on time, I have not received any statements from my mortgage company ( Dovenmuehle ) since I filed. So, I do not know how my payments are being applied, what goes to principal, what to interest, what to escrow for taxes and insurance. I did receive a letter from them in XXXX stating the my mortgage was going up to cover an escrow shortfall. Dovenmuehle has even stopped reporting my payments to the credit bureaus. I have called Dovenmuehle several times requesting that my statements and credit bureau reporting be resumed and online access be restored, but have been rudely denied these services each time. They claim that since I did not reaffirm the mortgage in the bankruptcy I have no legal right to have access to this information, yet they continue to expect on-time payments. I contacted my attorney on XXXX XXXX, XXXX regarding the situation and her response was : " They did not send me a reaffirmation agreement. The Bankruptcy Code does not require debtors to reaffirm debts in connection with real property ; therefore, lenders with liens on real property typically do not send reaffirmation agreements. They are not being truthful when they say that they can not send you a statement. They choose not to send you a statement. '' These are Texas laws maybe not Illinois laws. But I am governed by the laws of the state in which I reside. They want me to reopen my case so I can reaffirm the mortgage. Not necessary in my or my attorney 's opinion. 

I have never been treated so rudely by any company as I have with Dovenmuehle. I am not the second-class citizen they would try to have me believe.
Northern Alliance Management/NAM contacted numerous times threatening to call the " feds '' on me bc I supposedly owe a credit card bill. They refuse to provide debt validation only a pay off offer and that 's on via email. They scream at you and then hang up on you. They have been advised until they send us via US mail a debt validation letter not to contact us. It 's in my name only but continue to call my husbands place of business looking for me. They have both my home and cell. They leave rambling messages on vm stating they 'll either come and pick me up or come serve me papers or call the " Feds '' to come and get me. When they leave a vm they do n't advise it 's an attempt to collect a debt nor do they do so once they have you live on the line. They use numerous phone numbers to contact me via. They use a robo caller asking for me to hold for the next available rep. We informed them we suffered ID theft therefore we needed the debt validation letter, I was told that yup all dead beats as myself who refuse to pay her bills say such.
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement withAMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX police report attached.
My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that XXXX did not report this to you but XXXX did there is a not a court in the country that verifies the stats of a Judgment. I called the XXXX court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka XXXX the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds
RMG-Resource Management Group XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XX/XX/XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XX/XX/XXXX-XX/XX/XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have XXXX to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.
Dear Sir or Ma'am, I think this is what some note as a balloon loan ( Wells Fargo Home Mortgage over a certain $ amount ). No one at a XXXX law firm seems to want my business ... Has the statute of limitations run out? I have a Wells Fargo mortgage investor that claims their is no evidence for existence of this loan? ( XXXX XXXX XXXX of WF working on this fax # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ive also sent her phone contact to you via email ). Maybe if a nice phone call from your department could be left on her voicemail- a little fire might help them find the aforementioned mortgage policy/loan. They are claiming that they are not able to find anything bc the note was paid off. Hmmm? 

I called them the entire time we were moving to XXXX and they lied to me the entire time ( recorded phone calls/emails- that everything was fine ). They then had XXXX XXXX, our rental agent at XXXX, email us one day before the law offices sold the property. They then later claimed that they did not have to tell me anything since the mortgage was not in my name ( my wifes name was on the note ). My wife was VP and Head of HR, at XXXX XXXX XXXX ( XXXX  drug manufacturing facility XXXX XXXX, OH, and I was moving us and taking care of everything because her job was so intense during the relocation. XXXX was devastated and had a XXXX XXXX ( medically documented XXXX ) soon after this and had to quit her job- a reason not an excuse! This was the home we had planned to retire to! 

We have lost years of rental income ( 3 units heart of downtown XXXX ) from this and I would like to know a little about whom or what organization is profiting. 

I tried to do this the right ( nice ) way by working through consumer affairs and the XXXX  ... 
A little caveat- my mothers home mortgage is with WF. 

Here is the letter from the agent that was handling the rentals at the time. 

XXXX and XXXX, Attached is a file containing 5 pages as follows : Pages 1-2 :  Letter from the law firm representing Wells Fargo. 
Pages 3-4 : Copy of the notice that will be placed in XXXX XXXX XXXX. 
Page 5 : Letter from another law firm seeking your business on this matter. 

This is everything we've received regarding XXXX XXXX XXXX thus far. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Fax XXXX XXXX XXXX, Team Leader | mobile XXXX XXXX XXXX, Sales | direct XXXX XXXX XXXX, Property Management | mobile XXXX XXXX XXXX, Administrative Assistant | direct XXXX Respectfully, XXXX XXXX XXXX
I rented a car from XXXX. I paid for the car from XXXX. Then XXXX charged my Capitol One Visa card {$100.00} for a moving violation in New York. The only problem? I did n't go to New York. I was n't renting the car when the moving violation happened. I called XXXX - they did n't give my money back. Filed a chargeback with Capitol One - they did n't give my money back either.
I am writing on behalf of my XXXX year old XXXX. She is paying on her grandson 's XXXX XXXX XXXX loan, however they call her day and night requesting that she pay it off in full or they demand a very large payment. They threaten her with foreclosure and lawsuits. She pays monthly and they still call, they even call her on holidays. She asks them to stop calling and has put it in writing and the harassing calls continue. They 've told her they 'll call when ever they want and will continue until she pays off the loan. These calls are making her XXXX and I need to know what we can do to stop this harassment?
I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the late payments removed.
On XX/XX/XXXX I mailed Equifax a dispute letter pertaining to incorrect information they were reporting on my credit file. [ copy of said letter is enclosed ] On XX/XX/XXXX, I sent an additional letter pertaining to the same XXXX XXXX  they reported as 120 days late and still active. None of this was accurate. I also requested they send documentation of this erroneous info bearing my signature and any other documentation that would corroborate this falsehood. 
I also pointed out that failure to provide this information within 30 days as required by the Fair Credit Reporting Act would be a violation of Federal Law. After allowing adequate time for their response I sent a follow-up letter on XX/XX/XXXX [ copy enclosed ] On or about the XX/XX/XXXX they sent an email response, although I did not provide one. It has been fruitless to attempt email communication with them as their system denies me access to their response. That is exactly what happened again as always. Hence I telephoned them on Monday the XX/XX/XXXX, the first time their offices would be open since I received their email response that I could not access. 
This was well after the 30 days permitted to respond by Federal Law. In my conversation with their personnel earlier today he lied and denied receiving the XX/XX/XXXX letters. He would only admit to responding to my XX/XX/XXXX follow-up letter. 
I still have not received any of the verification documents required in my XX/XX/XXXX letters. Therefore, I am demanding the deletion of this negative information from my file as required by The Fair Credit Reporting Act. If required I will be happy to supply proof of the certified letters sent via U.S. Mail. 
The other reporting agencies, XXXX  and XXXX, have long deleted this damaging information.
I am filing this complaint because XXXX  ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Early Warning Service has refused to send me the report that they have on me. On XXXX XX/XX/XXXX I called and requested a consumer Report and the representative on the phone stated that I had to fill out another form and send back. Which I have and I have yet to receive my consumer report as stated. The representative told me that I am reported to them by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank. I stated that I wanted to dispute those because two were open using my identifiers without my consent. ID Fraud and I had previously back in XX/XX/XXXX talked to XXXX XXXX XXXX and XXXX about this and told them to close the accounts because I did n't open them. So these reportings are wrong and they should n't be reported.
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.
I have never received any information about final bill when I call they have no records of my information to prove that I owe.
I 'm deputing the information with Bank of America, back in XXXX I close my account with them. Because Bank of America was charging me ridiculous fees of {$1100.00} amount on my accounts, I close my accounts and lift them XXXX XXXX, XXXX. And my accounts were in a positive status. 
A year later, I try opening up account with other banks and the banks would tell me that I was not approve, but I 'm thinking it has something to do with just my credit score being low. But has time progressed I notice from then I would have to check my credit report to found out about checking my credit score, and on my credit report. Bank of America had the these large ridiculous fees of {$1100.00} on my credit report and XXXX. And so I decided to try to find by calling Bank of America XXXX XXXX, XXXX, so the lady that I spoke with were in the XXXX. are telling me now that I have XXXX accounts XXXX now, not including the large amount for {$1100.00} .these fees are back in XXXX, XXXX
I received a letter from the law firm Schacter Portnoy dated XXXX XXXX, 2015 that have been retained by XXXX XXXX XXXX XXXX XXXX to collect on an amount due from Original Creditor, XXXX XXXX Bank. 
I have never received any communication from XXXX prior to receiving the letter from Schacter. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe Schacter Portnoy has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by XXXX to contact me. 

I have requested proof from Schacter Portnoy proving they have been retained by XXXX to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.
Responded to an ad for a ticket to XXXX. In XXXX I communicated via email that I would send funds ( very foolish will of course not do again ) and retrieve the wristband/ticket when they were shipped mid/late XX/XX/XXXX. Transaction was made through peer-to-peer service XXXX which works through my bank PNC. 

Contacted PNC, after going through a fraud / dispute was told some time later ( today XX/XX/XXXX ) that there was nothing they could do. 

Received a ticket/wristband from a friend and didn't need to go through with this transaction. 

I let the other party know this, was told I would be refunded when they got a chance to resell the ticket. Then I never heard back from them. 

I never met with the seller as we had originally planned and never received anything from them. 

Funds were sent to a person identified in XXXX as " XXXX XXXX '' with email. Also have email - XXXX or phone number XXXX. 

I have sent several emails and requests for the {$190.00} to be sent back to me, all have been ignored. I have the email and phone number that this person used for me to send them money fraudulently.
Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.

The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.
On XXXX, XXXX, and XXXX, I disputed an account on my credit report through Experian. On XXXX and XXXX, I submitted escalations to Experian for the same account. Experian has not given any feedback on this account on any of the disputes or escalations. The amount is being reported to Experian from the original creditor and has not sent to a collection agency. The amount has an open account date of XX/XX/XXXX and a total past due of {$2700.00}. This account dispute should have been removed from my credit report in accordance with the Fair Credit Reporting Act. Knowing that there has been no response, the account should be removed from my credit report. The CFPB has my formal permission to access my credit reports for the sake of this account.
Dentist called XXXX XXXX XXXX XXXX in XXXX XXXX California hired Trojan Professional Services. Trojan was advised that we do not owe {$230.00} in writing but continues to attempt collection of money that is not owed. Dental bill was paid in full.
Extra principal payments did not go to principle. I was told that i qualified for the XXXX   loan forgiveness program and since they mishandled my payments have not had to make a payment since XX/XX/2015. I have submitted several applications and called many time and they kept requesting more verification and told me every time that i qualified for the forgiveness on the phone but needed more verification letters that were not listed on the application. this last time after three years i was told that I no longer qualified. if their was a problem with my status it should have been disclosed to me on the first application. instead they strung me along for an extra three years of interest. the intent of the extra payments original were to pay down the balance. i let it go because they said the balance of my loan was going to be forgiven. I have worked over 10 years as a XXXX XXXX XXXX. They are deceptive and the whole program sounds like a scam.
XXXX Chase charged me {$25.00} late fee. The due date is XXXX/XXXX/15. Bill was paid by telephone on XXXX/XXXX/15. I called their customer service yesterday and was advised that payment must be made a certain time of the day ( early in the day ) or there will be late fee, hence the {$25.00} charge.
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my seventys and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all three credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX  and they removed these items, however, Equifax and XXXX  failed to reply at all.