WillisBack/dataset-financial-user-claim huggingface dataset:
In today I received an credit alert stating that this company XXXX XXXX, XXXX. Was collecting a debt for XXXX . This collection agency appeared on my credit reports todate. However they dated the open date for XX/XX/XXXX,2017. This company has never reached out to me informing me that they had received this debt. And that they now were trying to receive payments. I have disputed this company ( XXXX ) in the past. The company could not fully verify the debt was mines.
Send out 2 letters asking for Accuracy of account!!!! Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) but never receive any  information verifying this account belongs to me, but company still refuse to comply with Fair Credit Report Act. by continuously reporting this account to my credit report. 

LETTER SEND OUT TWICE NO ORIGINAL CONTRACT WITH SIGNATURE RECEIVE YET ALL ACCOUNT LISTED BELOW According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account Account 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   XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Today XX/XX/18 the debt collection office reached out to my new husband of three weeks. Informed him of the loan, the company who the loan was through, the amount due, the information they have on file for me ( address and phone numbers ). My husband is not on the loan had no information about this loan as this loan is mine from 3 years ago. They threw him under the knife about the loan and gave him payment options for my loan. I have never given the loan collectors his information at all not his name or anything. They found his number on theyre own and gave him all my information.
Well my complain is with a financial institution called mission financial a dealer named XXXX based in XXXX, AL sold a 2007 freightliner truck to me and mission financial finance the truck which I made a down payment of XXXX and I started with a tile processing error by their rep which took about 3 to 4 months before that issue was resolved then after I register the truck and start to work after a month and half the truckbroke down which I tried to repair it spend XXXX on it and it was still not fixed did not miss a payment till the truck broke down less than 30days and they forced and repo the truck which they have repair loan programm but refused to offer me any assistance which end up me losing about XXXX which I think it 's just a bad way of financing I worked had to get the truck and end up losing now am back to square 1 again they could have help me get my truck back to work instead they took it and left me a poor layman suffering please I think the consumer agency should look into their practices. Thank you.
My complaint is in regards to the Synchrony Bank/Wal Mart account in which the business is currently reporting the DATE OF FIRST DELINQUENCY as XXXX per XXXX. The reports provided as attachments clearly show something different. Please, see the attached reports. Per the 81-month history for this account on all the credit bureaus, the first 30 day delinquency occurred in between XXXX - XXXX. Those areas have been highlighted.
The lawyer 's charges were adding up, then, I decided to settle with Bayview. I spoke to XXXX XXXX my point of contact in Bayview on XX/XX/2018 regarding the payoff amount. He told me that I needed to pay {$24000.00} including all the late charges to bring my account current. However, on XX/XX/2018, I sent a cashier 's check by XXXX for {$24000.00} to Bayview which was the payoff amount to bring my account current. Bayview received and cashed the cashier 's check but still continued to send me threatening messages that the will foreclose my house if payment is not received. As a matter of fact, I overpaid Bayview and they need to refund me, they charge me for Escrow ( tax and insurance ). Bayview has no justification in charging me for Escrow. I always pay tax and insurance on my house direct by myself and I have fully paid the tax and insurance for this year. I have also an unapplied fund of {$1400.00} on my account which Bayview refuses to refund back to me. My regular mortgage payment is XXXX per month, now XXXX has increased my payment to {$2200.00} without any justification. Moreover, I paid the payoff charge of {$24.00}, XXXX in XX/XX/XXXXy and in XX/XX/XXXX, I paid another {$2200.00} which is my regular monthly payment. As of today, my account should have been current but Bayview sent me a billing statement showing an outstanding balance of {$5900.00}. At this point, it shows that they are trying to frustrate me. I have contacted my lawyer and I am going to take them to court. See Attached
I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.
Ocwen foreclosed on my home. Ruining both my credit and my life. Since then I 've only been able to rent hole-in-the-wall places. Recently I received a letter that ocwen had misdated letters. I went through the entire process and received {$2000.00} " settlement ''. However, this does n't even come CLOSE to making up for what Ocwen did. My credit is now ruined by foreclosure. I think they should remove the negative information since THEIR misdated letters caused it. I 've been thousands to move into a new residence that I would not have had to pay had Ocwen not improperly foreclosed. And to top it off, Ocwen has people coming into the house BEFORE THE SALE DATE stealing our things. I lost a tool bench that was my fathers and had extreme sentimental value to me. Ocwen was to look into it but they never did. I think Ocwen owes me a lot more than {$2000.00}!
I am entitled to a 'free ' credit report from each company. I may have answered XXXX question for the Experian verification incorrectly concerning the XXXX XXXX -I had owned XXXX for several years- I 'm not sure. I did answer questions correctly for Equifax verification and it also indicated that for my protection the site was unable to provide the report to me online & if I want it I need to submit the form by mail. I did n't do the last company because I need an answer quickly. I will call but I do n't understand because I gave correct answers to the XXXX verification request.
I applied for, and received a {$2500.00} credit line from XXXX XXXX Chase.They closed the account on XX/XX/XXXX and when I inquired as to why, they said that in XX/XX/XXXX, I had an adverse relationship with Chase for a Slate card. I have never held a Chase Slate card in my life. They could not tell me if it was charged off, paid off, or what since it was so old. In XX/XX/XXXX or XX/XX/XXXX, I had filed a Chapter XXXX   bankruptcy which doesn't even show up on my credit report but they are using the Slate card from 17 years ago, that I didn't even know about, nor do I have any way of disputing it as it doesn't show on my credit, as well as the bankruptcy that was so long ago, it doesn't even show on my credit as their basis for closing my account arbitrarily. I need to know who opened that Slate card and am curious if it's even legal to use information that far back that is not even on my credit reports as basis for terminating a credit line. In XX/XX/XXXX, I was living in public housing, working my XXXX off to take care of my kid after an abusive marriage. I now hold two XXXX   degrees and work for the most prestigious marketing agency in XXXX Florida - How do I get this fixed? Also, despite closing the account on XX/XX/XXXX, they put another inquiry on my report on XX/XX/XXXX that needs removal.
XXXX XXXX XXXX of Bowen & Associates has called me several times on my cell phone and left voice mails, including to send someone to our home. I am a XXXX. The phone is listed in my name and the voice mails are addressed and intended for me. XXXX XXXX claims our family owed his client monies yet we have confirmed that the alleged, unverified amount is perhaps owed by my father 's employer. Our family does not have any ownership in that company.
On XX/XX/XXXX i deposited a check for {$430.00} in my savings account. Now on XX/XX/XXXX it is being put on hold until XX/XX/XXXX. That is way to Long and bills need to be paid. They did n't allow ANY funds available, i have no way to get back and forth to work. This is my First time having a Bank account. so i wasnt aware of any hold or anything.
I received a letter about a debt from a CitiBank credit card, which I have never owned nor opened. It was called a XXXX Anywhere Card by Citi, and was used at a XXXX Maryland XXXX. 
The billing address I found out is a pizza place in XXXX, Va. I am quite upset that Citi allowed a card to be opened without my correct address in XXXX Va that I have been at for 6 years, and without letting me know that this card was approved. Upon calling Citi and asking what happened, they transfered me to a collection agency, XXXX XXXX XXXX , XXXX That agency immediatly strated trying to get payment, and would not listen to my explaination. When asked why I was transferred to them, they said Citi had sold them the debt. They are not pleasant and forcefully told me I was being recored and wanted payment. This is fraud.
On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX all was ask to remove inquiries. Called multiple times a day.
On XX/XX/2013 someone made a deposit of the amount of XXXX $ in my bank of america account and the check bounced they closed my account and reported fraud on my XXXX XXXX   and XXXX XXXX report.
Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.
J.H. Portfolio is believed to be about the XXXX fourth party that this account has been transferred to. I am not in agreement with the balance that the mentioned party here has listed on my credit report ( s ). Therefore, I will attach a Letter of Explanation about this situation, in order to help explain my dispute.
I went to XXXX in NY and i was told that i was getting financial aid and money granted to my self to get my books and so on. Later in that year i saw i owed money and that it stated that I agreed to a loan when i didnt, I thought it was financial aid helping me since I have very low income. The school closed down for good and now I owe about an estimate of {$11000.00} when it had started off in XXXX and I still cant start making the payments and the amount will still go up because of the interest and im scared my credit will get damaged. Please help me and to everyone who is trying to make a career in life please read carefully and do research so that the same thing that happened to me wont happen to anyone
I was advised by my credit reporting company to get copies of my credit reports.

I requested 3 reports. It only showed my Experian report, but not the other 2 reporting companies.

I am unable to identify information that is on my report, ( lack of company names and identifiable information ).

I was unable to get through to XXXX XXXX XXXX.

Unable to speak to a customer service rep.

Unable to resolve.

There is no place on their website to request all three to be mailed, only print, the only one was Experian, NOT XXXX XXXX or XXXX.
Cfpb front website page says were are on ur side but really they are not its amaze me that servicer lies and cfpb falls for it My hardship was created by the employer sudden XXXX off of income it will cause problem to the point that the sudden stress will have a suvier effect on the health. XXXX XXXX bank have a complete ownership to all of my problem because they knew what were they doing and they knew what a monster SLS are but XXXX XXXX was only interested about the profits they making off of selling my home My question is again my hardship was caused and created suddenly by my employer now is it ok that I loose my home become homeless??? 
SLS never worked with me they assigned Person name XXXX XXXX she was never available didnt mather what time of the day call her I spoke with her twice and the only thing she told me was to given my Home to SLS never tryed to help and work out Tords I stay in my home Requesting document repeatedly and still requesting and say they never received it XXXX XXXX XXXX ID # XXXX called me once and when I explain everything was happening She again request some document that I had allready faxed numerous times assured me that she will personally will work with me and help me but that was also a lie and nothing happened SLS requesting me pay them {$40000.00} After all the evonanatiom of how my hardship stared My question is what part of my hardship SLS didnt unferestsbd or what part of I have financial hardship let SLS to think that I have {$40000.00} to pay them. 
If I dont have a financial difficulty wound I be in the situation I am right now???? 
So cfpb I am asking u to pay attention to how SLS lies menaplate and twists things Again I was put in this mess by my employer and the results of it had a terrible impact on my health my wife has a XXXX XXXX her XXXX is high constantly Doctors tells me no stress stress cause XXXX XXXX XXXX XXXX dont work when I told the doctor about our situation he broke in tears This is this how it is when familys goes through hardship they have to die that is the results I requested many many times I need the name of the monster invester who cheated and gave me this garbage loan he shouldnt buy this loan and he made tuna a profit of of this trioble loan I know the invester dont care about me all he care about is his profit and thats the reason SLS comes to the picture With everything going on with us health concern I am not giving my home to anybody nor leave or move I ask SLS to work with me not evict me SLS claimed that they put me on a trile payment My payment was {$1600.00} when my husband got laid off statement is provided Now SLS put me on a trail payment for {$2000.00} how is this affordable????? 
Please unferestsnd that my hardship was caused and created by my employer the results should not be me become homeless There are many programs like forbreance Reduced interest late fees reduction principal balance etc I need invester to contact me
Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them
My name is  XXXX   XXXX  and I filed my tax return and got a  Rush Card  so I would n't have to disclose my banking information which now seems like it may have been a terrible idea. On  XXXX   XXXX  the amount of {$2900.00} was uploaded onto my  XXXX  rush card I was told that it would take longer for the money to be processed so I was n't even aware of the money on the card until  XXXX   XXXX . The next day I was then locked out of my rush card and i stayed locked out for a few days after that. It would not work and whom ever was responsible put a pass code on my account they also changed the address to an unknown address in Delaware, they then changed the email on the account to an unknown email. I regained access to the account they then provided the false address to me, I then changed the address back to my correct address, well at least I thought I did. At that time I was told by a representative that my dispute process had then started the date was  XXXX   XXXX  and once I filled out the form and sent it back I would be provided a provisional credit to my account in the amount of {$2500.00}.  XXXX  weeks later i still was not provided the credit to my account. I also made a request to receive the dispute form by email ( which they still had the wrong email and address ) because they said it would take  XXXX  days by mail, so I again made another request to change the email and address to my correct information for the second time. I faxed the form back  XXXX   XXXX  around   XXXX   XXXX    then called to confirm they received it, which they said they did. In between I called to check on the credit which I was told I would be receiving on  XXXX   XXXX  from  XXXX   XXXX   XXXX , then the  XXXX  as well. I was then told I would not be receiving the provisional credit and when i asked why they did n't have an answer for me they only said I would have to wait until they reached the resolution on the case which would take  XXXX  days so I was told to just wait. Frustrated and upset I waited again for another few weeks on  XXXX   XXXX    XXXX   XXXX   I called to check the status of the case i was then told there was no error found and that there was no  one  higher for me to take to and there was once again no explanation. i then contacted CFPB. A police report was filed the day the dispute was filed.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Equifax has mishandled my information, did n't notify me, and now has cost me several hours, some money ( to freeze my credit with three bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Central Financial Control has contacted me about XXXX debts that I do not owe. When I called the licensing department of XXXX the woman I spoke with said the address I gave her ( XXXX XXXX XXXX XXXX, XXXX XXXX ) was not pulling up a license in her system. Regardless of their response to my dispute, they are not legally bonded at the address they continue to use to contact me with.
I got a call and i answered hello? lady on the phone said can i speak to XXXX XXXX. I said who is this and she said this is XXXX XXXX XXXX. I said uh who wants to know and she said is this XXXX and I said I don't know and she said is this the XXXX who was born onXX/XX/XXXX 1990? I let her know she gave out my personal information and that she was violating the debt collecting laws.
I submitted a dispute on several inquiries on my Equifax credit report that I did not recognize. Their response was that they couldnt remove them. My name and information was part of their security breach and thats why I disputed those inquiries. Nothing was resolved
XXXX XXXX XXXX amesher XXXX XXXX with all major bureau in violation police reported with ID theft gov violation of my rights!!!
That was my 11th lease, never dealt with XXXX before, my XXXX-year-old father was a driver of that car, very careful and infrequent driving, we returned car to XXXX dealer, nothing was told about a car condition, inspection and no papers were provided like after other leases, 1 month later I got charges for {$890.00} about multiple damages by XXXX XXXX XXXX ( AKA XXXX XXXX XXXX acount # XXXX ), I tried to call XXXX XXXX XXXX to dispute and requested send me clear pictures of damages, they keep agreeing on phone but never got pictures and just sending letters with charges again and again, I called them many times after, with last call to them in XX/XX/2018, they did not send me requested pictures of damages despite my repeated requests and sent my charges to collecting agency, I never hear anything from them sending my files to collecting agency or a collecting agency contacted me not even tried to collect, I had no idea that XXXX sent directly to Credit Reporting without trying to collect or discuss with me. I bought a boat and found that my score significantly dropped. I immediately paid that charge {$890.00} in XX/XX/2018. However, a Boat Dealer had a hard time to find a bank that would provide me a loan and one that I got charged 8.5 % APR instead of the usual 5 % ( as I was told ). 
In Spring 2018 my score was XXXX now XXXX on Equifax reporting and not getting better. I called Equifax several times, tried to file a dispute online. Whenever I call I get different answers from different people. They gave me different advises like call XXXX, which already got their payment, or close credit cards which we did closed a few, then call other car loan companies to remove inquiries. I did most what they suggested but score still stays low and not changing despite I am doing everything they say. Please help me to fix my credit score as it was not fair reporting from XXXX as we were in middle of disputing charges. Now we are planning to buy a house and I am facing significant financial charges because of all this situation
Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed!