WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.
An address change was submitted to my mortgage company ( XXXX XXXX XXXX ) approximately 8 years ago. Someone had tried to compromise my wife 's credit. She caught it, and it was recently resolved This address is now showing on my credit report. The credit reporting companies have refused to remove it because they said it was reported to them, and suggested I file an identify theft report ( no one has stolen my identity ). I now have a credit reporting company monitoring my identify. XXXX states this address is no longer in their system ( they removed it ). Please have the credit reporting companies REMOVE this address from my reports.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Our loan servicing company was changed to LoanCare and soon after we noticed an error on the new online site. While our payments seem accurate and the total amount owed seem accurate, the online site states the wrong Original Loan Amount. We want the Original Loan Amount on the website ( which is listed as {$44000.00} higher than our original loan ) corrected to the amount on our loan paperwork. We have emailed three times to have this issue corrected and our emails have been totally ignored. Each email was submitted through LoanCare 's secure email via their site login. When our emails were ignored, we began calling to have the issue corrected. We called on XXXX XXXX, 2016 and spoke to XXXX, ID # XXXX. She seemed to understand the problem and agree that it needed to be corrected. She said it would be handled and we would receive written confirmation of the change in the mail. When we did n't receive anything and the correction did n't happen 30 days later, we called again on XXXX XXXX, 2016. This time, we spoke to XXXX, ID # XXXX. She said we could not speak to a supervisor. She listened to the issue and said she would look into it, putting me on hold. A few minutes later, She hung up on me. When I called back, I reached the same person I spoke to on XXXX XXXX, XXXX, ID # XXXX. She said that she remembered me and that their paperwork said that the issue would be resolved on XXXX XXXX and we would be contacted with a resolution by phone. That date has come and gone and we have not heard anything. We have original loan documentation proving that their information is inaccurate and we want this corrected. My concern is that they will sell the loan to another company with this inaccurate information. Due to their unreasonable resistance to correct this error, we are beginning to suspect that they have no intention of fixing the error. We need a definitive response from the company so we can know what next steps to take to address the issue.
Transunion continues to take pints away from my scores for no reason at all, last week they deducted XXXX points for no reason only to put XXXX points back on there, becaus eI have been leaning up my credit and my score has been increasing, if my points would have remained on there I would well be in the XXXX 's by now, but every time they know my score is about to increase they deduct for no reason, I have no missed payments, items removed off my typify and they are not Bro g fair, they are cheating me out of my points
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution to any current or future identity theft and investigation into the delay in notifying the public.
XXXX has recently contacted me, telling me that I owe them over {$600.00} for a loan that has already been paid 3 times the amount of the princial payment. The interest rate of the loan is over 700 %.
Needed to order some merchandise from XXXX. Placed the order, but the product never got delivered. I even called XXXX and they determined that the product was stolen. I advised XXXX that the deliver driver left my back gate open and someone walked in and took the package. I have been back and forth between XXXX and Citi CC and again for the 10th million time i am submitting a complaint. And also my card got comprised, I got a text stating that someone was trying to use my CC at a foot locked for the amount of {$470.00}. on XX/XX/2017. Which that was not even me. The only thing this card has valid is a XXXX dollars charge from XXXX. Which I will be moving to my other CC soon. This card has been the worst to deal with. CITI CC also stated that they sent a replacement, WHICH I NEVER GOT!!! I just want my Money back.
I have asked for a history of our payments twice now so we can see what we have paid in late payments, how much we owe and when we can get our PMI dropped. Both times they have told us due to our bankruptcy judgement they can only send us XXXX type of history but not what I am requesting, yet neither time that they have said they will send us what that can have we received anything. How can I get some information about the mortgage we are paying on, some what to see what we have been paying and how those payments are being applied. They seem to be able to send us info on our escrow account, when those payments change, how come we ca n't get any info on the mortgage Itself? 

XXXX
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the a ttachment for one o f The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
I have Navient as the servicer of my student loans originally through XXXX XXXX. My interest rate has been climbing faster than the prime interest rate for the past 4 years and now sits at 11 %. I've been given no answer other than, " sir, this is a variable interest rate that adjusts with prime '' for why my interest rate has gone up faster than prime and why I'm being charged a higher rate than other companies would offer. They offer no refinancing options. No options for adding a co-signer and seem happy to have their clients locked into loans they can not get out of in any way and charge exorbitant interest rates. 

This is predatory lending taking advantage of students trying to pay for their educations who have been convinced that the education is worth the investment. They refuse to work with their good customers and those who pay on time. I've never dealt with a more predatory company in my life.
I am XXXX, full time employed $ XXXX per annum with CREDIT score of XXXX. My father had Citi thank you preferred credit card, i was an authorized user since XX/XX/XXXX. He died XX/XX/XXXX I closed his accounts and credit cards. This was about 15 months ago. 
I want to start travelling again. I only have XXXX. I have been turned down by Citi, XXXX and XXXX. Either for my age or for closing a credit card within the last 24 months. I need XXXX and XXXX now to prepare myself for a visit to XXXX and XXXX, staring XX/XX/XXXX. Can you assist me?
I have XXXX claiming I open up an account in XX/XX/2013. 
I stated I did not open the account nor authorized a account to be open with this company. They sent me to collection company name portfolio recovery who hired a company to sue me Rausch, Sturm, Israel, Enerson and Hornik, LLC and Hornik XXXX sent a summons civil but no answer or reply letter.
XXXX   XXXX , I requested verification of debt and  two  late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCPA  807 [ 15 USC 1962e  ] this is a violation
I was erroneous offered a HAMP Modification. The lender accepted my payments and then contacted me and advised me of their error. They told me XXXX other loans were also given these modifications in error and they were working to resolve the error and find alternative modifications. They then sent me another trial modification which I completed XX/XX/2015. At that time they contacted me and let me know there was a problem with my title that was preventing the final permanent modification. They then let me know that was resolved and I would be receiving final documents any day. They kept requesting additional payments, which I always sent. My final communication with the lender was on XXXX/XXXX/15 in which they told me permanent documents would be arriving by the end of the month. I received a letter dated XXXX/XXXX/15 which informed me that they were transferring my loan effective XXXX/XXXX/15. They have taken at least 6 payments from me promising that each payment was leading to a permanent modification which appears to be a lie. They should not be allowed to transfer my loan prior to correcting their many errors and providing my permanent modification as promised.
i had a bank account with Bank of america for a long time. It so happened that one of my friend owed me some money ( {$8400.00} ) He gave me a check which i deposited it in my account thru an Atm as I was flying overseas that night as my mother had died. when i came back i got a letter from Bank of America that they r closing my account as I have committed a fraud by depositing a bad check and that they r black listing me and i wont be able to open an account with Bank of America ever again. i was shocked by this most stupid letter ever. I tried to talk to them but they said they cant do any thing. they did not close my friends account and he is still operating it although he gave me a bad check. its not that i really want an account with Bank of America its a matter of principal that i have never done any thing wrong and y would they penalize somebody like that.
Called from a private number. Their number does not show. They left a message saying serving me with papers. I called back. XXXX wanted to argue that number 1, the company he supposedly is collecting for I never had a loan with ; number 2, he says he mailed me at my home address, lie, I can not receive mail at my home address - XXXX XXXX must be used or mail will be returned ; 3, said they had served me court papers and there was an open civil case that has gone through court. Called the local civil places. Another lie. Called the company he supposedly is collecting for, they can not locate any loan for me. HE REFUSED TO GIVE ME THE COMPANY NAME HE WORKS FOR, said he would transfer me to LEGAL DEPARTMENT which then he came back on the line. Called back after I spoke with the loan company and another guy supposedly ( same voice ) stated that they had mailed me and they are under no obligation. I informed him that this state REQUIRES YOU TO MAIL IF REQUESTED. Then he said he had to my physical address. NOT POSSIBLE. Then he said to my email. NOT POSSIBLE. I reply to all of these stupid emails advising IF THEY ARE LEGIT to MAIL ME and I provide my XXXX XXXX . NO ONE HAS EVER SENT ME ANYTHING.
I use Walmart 2 Walmart money transfer service to send money to my brother when needed. XXXX 2017 he called, asked me to send money which I did. Later that day he called to say that he could n't get the money & that I had to call a number. I called the number which was the compliance department, answered all their questions and was told that my brother was restricted from receiving the money and the gentleman refused to tell me why. After a lengthy conversation of trying to get an answer other than your brother is restricted, I asked for supervisor, I was told the same thing that my brother was restricted without any further explanation. Same day, I went back to Walmart got my money refunded and sent funds via XXXX ( no problem ). During the week, I called the compliance department, after a lengthy conversation and answering all of their questions, was told my brother was restricted. Called back & got someone on the phone, this time I asked if my brother could send a picture of his ID cards because someone was using the same name. We texted a picture of VA ID & his state ID card so they could have on file. Four times I 've tried and now in XXXX, it 's the same problem..no reason other than he 's restricted, maybe someone has same ID, too many people using the same last name, what will the money be used for and after talking with a supervisor my brother 's restricted and they 're investigating the matter.
Company serving my mortgage is reporting a foreclosure after an approved short-sale was executed and the account is closed.
Wal-Mart charged me {$500.00} when I opened the account submitted XXXX separate charges. I paid the first balance in full ( around {$370.00} ) but not the second balance ( {$130.00} ) because by then I discovered they were falsely billing me. 

I am a XXXX. I did n't believe I owed either amounts but I paid the first in full as billed. Wal-Mart did refund the second billed amount of {$130.00} when I challenged the charges. However, when I requested copies of the $ XXXX Wal-Mart charges it alleged I owed, Synchrony Bank responded " we are unable to provide you with the information requested as it is no longer available ''. My account is not one year old.
I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.
Hi- Comerica bank on XXXX XXXX in XXXX michigan is attempting to collect fees not owed. On XX/XX/XXXX I went into the banking branch because they had closed my savings account for exceeding the transfer limit. When i went in I closed all accounts that day, 4 accounts, 3 checking and 1 savings. I told the bank enployee I wanted to close all accounts, at that time they gave me a check for approximatly 18k from my savings and {$400.00} cash from my checking. The bank is now telling me that the account was not closed on that day because of a pending transaction for {$20.00} from 2 days prior to me coming in and that the account was not closed that day and that the tip of {$6.00} I left overdrew my account. There was no mention of a pending transaction the day I closed the accounts. I asked to close my accounts they gave me the check and the cash and i left thinking my accounts were all closed, come to find out only 3 of the 4 were closed. Because changing my auto drafts to my new bank took 7-10 business days, some of those payments still went through to the comerica account which should have been closed. Now comerica is stating I owe over {$200.00} in overdraft fees on an account that I thought was closed. The bank has stated that they can not close an account when there is a pending transaction which is fine but this should have been comunicated to me rather than make me think the account was closed knowing that this could happen. Had they notified me that the account was not closed because of a pending transaction I would have come back in a day or two to close the account. The teller cashed out my account that day knowing there was a pending transaction that did 2 things, it made my account left open and opened me up to over {$200.00} in fees. I have perfect credit and have never disputed any charges, the way this bank conducted business was deceptive and resulted in fees that I should not be responsible for. The employee at the bank clearly knew I was there to close out all accounts and failed to do so, and failed to disclose any other details. She failed to notify me that she was unable to close the account at that time.
Fraud  on account   XXXX   and   XXXX   keeps changing the account numbers looking like there is multiple fraud cases but actually does this to keep breaking the block that was issued to my account with the police and identity theft report on file. On   XX/XX/XXXX     XXXX   in experian on a three way call to  XXXX  with myself and a women from fraud dept named  XXXX  deemed the  XXXX  and its charges fraud  XXXX .  XXXX  said  XXXX   XXXX  have your permission to permanently block this account she said yes. It was blocked and unblocked again by  XXXX  and experian refuses to keep it blocked. Now this is fraud. On   XX/XX/XXXX    XXXX  told me experian had a signed application from me opening account but did n't see it and could n't verify it and the account in question bears a totally different name with my social so how is that verified. The day on the phone  XXXX  said none of my info matched my complaint is against experian I pay go monthly identity monitoring and protection they head for hemselves the account is not in my name, but can be verified lies and experian called got confirmation from  XXXX  and told me I have no rights. Legally I thought I did! I am also on   XXXX   limited income. Also on   XX/XX/XXXX     XXXX   alerted experian that a totally different name appeared to my credit report due to   XXXX    card being unblocked and reporting fraudulent name to an account and social and warned them also and this alert locked me out of both credit bureaus because I was known as someone total else my address changed and name and I had to send proof if my identity to which I did to correct issue and experian still kept block off your kidding me.
I made a reclaim to the credit bureao Experian because i was victim of identity theft and There are 4 accounts that i dont recognize and are negativly impacting my credit score, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. 
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? 
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.
I have been disputing these items on my credit and have n't received a response. these debts are not placed on my report that should not be there anymore. They have been closed XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank
I had a mortgage with Nationstar and in 2012 they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, Wells Fargo Home Mortgage started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by the XXXX of XX/XX/XXXX, XXXX and XXXX ). The XXXX XXXX XXXX reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting WFHM delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the XXXX, City Hall Mayor 's office, and my Attorney.