WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I sent a letter to National Credit Systems requesting they provide me with the methods they used to validate the {$1800.00} debt they are reporting on my credit file with all 3 credit reporting agencies. They in turn sent me a copy of my original signed lease agreement with XXXX XXXX but no breakdown of the {$1800.00} being reported on my credit file because I know that amount is inaccurate and by law they have to provide valid evidence of the amount being accurate. They did not. On XX/XX/XXXXI pulled up my official credit reports from all 3 credit reporting agencies and noticed this company National Credit Systems is reporting this invalidated debt with 3 different " Open Dates '' on all 3 reports. This is a violation of the Fair Credit Reporting Act. I have asked all 3 credit reporting agencies to properly investigate this matter and they clearly have dropped the ball because if National Credit Systems properly provided the credit they too would have noticed all the dates are not matching because they do n't have any proof this debt is actually mine. I will be uploading the pictures of the following " open dates '' being reported. 1 ) XX/XX/XXXX via XXXX 2 ) XX/XX/XXXXvia XXXX. 3 ) XX/XX/XXXX via XXXX This information is required to be verified and accurate and with 3 completey different dates there is now way that is possible.
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the collection agency, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
My room mate and I keep getting debt collection calls from XXXX XXXX XXXX from this phone number XXXX  XXXX XXXX  XXXX. The problem is that they do not identify whom they are trying to reach. If my room mate or I have or are expecting an important phone call we let each other know about it. They do leave a message that states they are debt collectors but neither my room mate or I have any outstanding or over due accounts. There is nor has never been any mention of who they are trying to contact or for what purpose. I just want these phone calls to stop. I refuse to call back anyone that will not identify who they are trying to contact, and believe these calls are bogus.
In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from XXXX XXXX were changed from the XXXX of each month to the XXXX of each month. This was done in XX/XX/XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on XX/XX/XXXX through the debt management plan has been marked as 30 days late by XXXX by the credit bureau. I have disputed this with XXXX as well as requested a change from XXXX to no avail. All my other payments have been made on the between XX/XX/XXXX and XX/XX/XXXX through the DMP and have not been reported as late so I am unable to understand the problem.
I recently sent a payment to XXXX XXXX in the amount of {$25000.00}. XXXX never received the payment and when I inquired to my bank ( XXXX ) on the status of the check, I was told it was cashed by XXXX XXXX. I then contacted XXXX XXXX and they have no record of the check being cashed although there is a copy of the cancelled check cashed by XXXX XXXX. Neither bank wishes to take responsibility for the payment/disbursement.
2nd complaint received response NAVIENT Company said I made payments to FFEL CONSOLIDATED LOAN ....

No I did not..knowingly make payments to this loan..internal revenue refund OFFSETS and 2 wage garnishes.. received notice just this year which is how I found out about this loan I made payments to a parent plus loan for 5.5 years. Bills stopped thought I was paid..

Response listed NAVIENT ADVOCATE..called..told that CONSOLIDATED loan lender was company called XXXX..called XXXX. Now called XXXX..was told N avient owns that loan..

AGAIN SENT IN CIRCLES..STILL NO COMPUTER ADDRESS INFORMATION AND LOTS OF GOBBLY GOOP..
XXXXThis Company took a stackable washer and dryer out. When it was put in, they hooked it up wrong twice. 
It was a XXXX person job and XXXX was sick so XXXX did it, It was to heavy, he chipped my NEW tavertine, scratched it, and hooked it wrong once again. They chipped up my walls hallway, and it was fresh construction. 
Came back to try, to redo washer and dryer, steam coning from a hose miss put in. Knocked a piece off plaster off, and said whoops. 
Paid {$190.00}. for XXXX to come in and correct their mistake, If anything they owe me money. I have written a letter with pictures of damage to the management, This was not a emergency thing, had problems for months, they where the only company available. I got a {$500.00}. dollar estimate to re paint and fix damage. 
However I have sold this property and am done. I would be happy to send you my letter of complaint if I have a e-mail address. 

XXXX XXXX XXXXXXXXXXXX
A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law
We satisfied what we thought was the final settlement with the holder of the debt. No attempt from NCC BUSINESS SVCS INC was received explaining that they are going to be the holders of the debt. A surety bond was even exercised by the original holders of the debt and a clear validation was never distributed to my brother XXXX and I.
On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us.
I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Nelnet Attn : Claims XXXX  XXXX : XXXX XXXX, NE XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to Nelnet as soon as XX/XX/XXXX to be place in a Miltatry Forbearance. Nelnet failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
I did not authorize anyone employed by XXXX XXXX to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.
I did not authorize hard inquiries on my account affecting my credit score.
This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
I signed up for a Barclay XXXX Credit card. 
The T & C 's presented during the sign up process and the T & C 's of the card I received had a significant difference : the APR on the card is 24.99 % but the advertised APR was 15.24 % or 18.24 % when you open your account, based on your credit worthiness. 

I called Barclay customer service on XXXX to have the " Bait and switch '' resolved. They said I would have to file a written complaint and provide documentation.
I 'm sending this complaint to Equifax on behalf of the XXXX accounts that are suppose to be removed from my credit report as of XXXX XXXX, XXXX XXXX Please see the CFPB XXXX XXXX XXXX. I spoke with XXXX XXXX with the XXXX loans company and he stated that the request has been sent. Equifax is the only credit reporting company that still have these accounts on my report. This accounts are hindering me obtaining any type of credit to establish life after hurricane XXXX. Please see the CFPB XXXX XXXX attachment for my complaint and their response. Please see that i sent a Validation request and that is the reason why i sent the complaint to CFPB because they did not answer my XXXX, but someone signed off on the certified.
Hello, After the XXXX  data breach, I used the XXXX  website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
Ten  years ago we suffered credit card fraud and the police said to place a credit freeze on our credit report. Now we are applying for a mortgage and this is the third day I have spent trying to have both freezes removed. First this department is located in  XXXX  and they do not have a command of the  English  language nor do they know how to spell simple names  (   XXXX   ).  They do not speak clearly and aggravated when asked to repeat. They also lie, they say they are  XXXX  They drop calls when asked to be transferred to t he US co unterparts. The main number of Transunion does not answer to receive complaints or to help with problems. The final straw is when I finally called, after getting all their pertinent garbage to have them tell me they ca n't access my file because it is being updated. Th e US  agent had a completely different procedure than the one I followed the previous day to have my freeze removed and refused to release the freeze in a timely manner. I have to fax him a request and then he will mail it to me??? I am applying for a mortgage and time is of the essence. The other  XXXX  bureaus quickly and graciously removed the freeze the same day. They must be more expedient and cooperative for their reporting. I expect a complaint line, answered by a live person who speak s English and underst ands it.
sent in an identity theft affidavit ( certified ) and still have been ignored. Equifax did not produce any physical documents in re to the fraudulent accounts/inquiries 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 ACCOUNTS XXXX XXXX MORTGAGE XXXX XXXX XXXX BANK XXXX XXXX
On XX/XX/XXXX my husband XXXX XXXX suddenly. I had been paying the mortgage on a regular basis. Last year, XX/XX/XXXX, I had started becoming late because of financial issues because of the loss of my husband. Wells Fargo did work with me and I was granted a continuum of my husbands loan. I am the executor of his estate and although the Title/Deed is in my name, the loan is not. I once again became delinquent on the loan but sent three separate checks to catch up. The mortgage company returned the checks saying that my husband needed to contact them for them to accept the checks. Wells Fargo is aware that my husband is deceased so the letter did n't make sense to me. In XXXX, I again started working with the Home Preservation Department to keep my home. I was told that I needed more information. I sent the information that was needed but they declined my application. I am receiving a pension now from my husband and I have a solid income. I want to keep my home, I feel the mortgage is not working with me and the sale of my home is looming. I am praying that this letter helps my communication with the mortgage company and myself. Thank you.
I had bank with XXXX then I started to notice transactions that where not made by me in other states never explained why and never credit back to my account then my account was link to someone phone and personal account they couldnt explain what was going on just excuses that it was my fault then open another account without my consent and unblocked overdraft protection and didnt tell why they did it many many questions not answered plus receiving scam email threatening emails and phone call XXXX claiming to the IRS police saying I have a warrent for my arrest
Chase wrongfully closed my checking and savings account due to " unusual activity. '' I deposited XXXX checks that I believe may be the reason they closed my accounts. The XXXX checks were : ( 1 ) {$1900.00} issued upon cancelling my insurance from XXXX XXXX XXXX XXXX, and ( 2 ) a {$6900.00} cashier 's check from XXXX Bank as payment for consulting work I did for a contractor installing medical equipment. XXXX checks should be valid. My statements showed the checks were cashed on XXXX XXXX 2015. A letter from Chase, dated XXXX XXXX 2015, instructed that my accounts would be closed because of either unusual activity or because Chase had not received certain information from me. The letter instructs that they will verify all deposits and payments and then take another 10 days to issue my funds back to me. 

I am a retiree and need those funds. I did not find out about the closure until I went into a branch and the teller informed me. 

I tried calling the number provided in the Chase letter, XXXX, but they kept forwarding me and putting me on hold until I gave up. I made several attempts. I consulted with a legal assistance attorney at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX who called the same number for me. But Chase refused to speak with him or I because I consulted with an attorney. Chase refused to provide him with their written policy. 

I do not have the contact information for the contractor who hired me and who gave me the cashier 's check. 

My statements, the letter, and the checks will be attached. Thank you.
XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.
XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Bank of America extracted {$500.00} from a joint checking account I have with my daughter. They did this with no warning and paid it into a separate checking account I have with BofA. That account was overdrawn, which I was aware of and intend to pay. My financial woes began when my ex stopped paying child support last year. I 'm struggling to make up the difference and am in the middle of a refi, which will resolve my issues. BofA is refusing to put the {$500.00} back into the joint account so that I can use it to pay my mortgage. This was my daughter 's paycheck money. I have had the account that is now overdrawn with them since XX/XX/XXXX. The joint account was opened in XX/XX/XXXX. We are longstanding customers, and our situation is an aberration. I never signed anything that said that I allowed BofA to take money from one account and put it into another! I want the money returned to the joint account immediately. This action is jeopardizing my financial future, as I must pay my mortgage in order to qualify for the refi. This is a harmful tactic that should not be legal.
XXXX XXXX SUN TRUST BANK/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.