WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and Equifax is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by XXXX ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX/ XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, a rental and history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
On XX/XX/XXXX I send a letter Certified mail to Department of Education/Nelnet and received mail on XX/XX/XXXX. Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 90.953 FLA. STAT. ( XXXX ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. Department of Education/Nelnet have not accept my request. I asking does Department of Education/Nelnet have the original copy of the promise note that claim I sign?
I filed a third written signed and notarized request for Experian Credit bureau to investigate or Verify information on my Credit report. It has been 30 days or more under the FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( A ) They have not sent me any documentation in regards to there investigation. I feel they have not even investigated the accounts on my credit report. I never received any written notice and my account has not been updated I still have not heard from Experian or received documentation or proof of said accounts to be correct.
I have disputed XXXX charges from Amazon with my Chase CR. This is going for since XX/XX/2016. I was very disappointed by the way I was tried by Chase repetitiveness. They where not welling to lesson to me and when I asked several ttimes to speak to a manage, no one called me back. The merchant have issued credit and acknowledge there mistake by sending me email saying that and will issue a credit to me next bill but chase Has not issued the credit. I call and I get hang up over and over again. I been with Chase Bank for many years and I spent thousands of droller every month I could not believe the way they behaving I do not under stand why. I have record of all communication regarding this matter and I will need what ever help I can get from you also to let other consumers know about the way Chase bank handle this matter.
I have multiple inquires in my credit bureau of Transunion that I do not and authorized please delete these queries from my account thanks.
This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but XXXX XXXX   reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with XXXX XXXX also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report
Dear Sir or Madame, In late XXXX of 2016, I mailed a check for {$10000.00} to Chase Card Services ( " Chase '' ) for the balance due on a Visa credit card ( account number XXXX ). On XXXX XXXX, 2016, after confirming with Chase via telephone that they never received that check, and fearing it must have been lost in the mail, I authorised a one-time electronic payment from my credit union to Chase for {$10000.00} ( the then current balance on the account ). The electronic payment was made, and, later that same day ( XXXX XXXX, 2016 ) the check for {$10000.00} was cashed by Chase. I have since contacted them via telephone to request return of the large positive balance in the account, and I was told via telephone they would not do so. On XXXX XXXX, 2016, I sent them a formal letter again demanding return of the outstanding funds, along with a reckoning of the account and its closure. I also advised that if I did not receive a response by XXXX XXXX I would pursue legal action. I have received no response to this letter. I would appreciate any assistance you might provide. I have sent a copy of this correspondence to California 's attorney general ; that complaint, along with this correspondence to you, are the only action I have taken besides my attempts to resolve the matter directly with Chase. I am also seeking to initiate a civil action against them ( I would prefer not to, but I see no other option. ) Thank you in advance for your time and for any assistance you can provide.
XXXX / XXXX /   17  Received a voicemail from centric asset  XXXX   XXXX , wanting my girlfriend 's bank account number. Talked to her, she had received the same call earlier. Caller would not give any information on the supposed debt until she gave out her information. Called back and told them not to call anymore. Received another call a few minutes later stating what was said in voicemail ( wanting bank account numb ers ).   We have never received any paperwork pertaining to this supposed debt. Quick   XXXX    search reveals a lot of scam calls from this number/business.
I requested validation of collections/ negative accounts on my credit report and received a printed copy of what looks like a bill/statement. This is not proper validation of these accounts and I requested removal. These accounts are still on my report.
When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS.  At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at XXXX XXXX. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at XXXX XXXX and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at XXXX more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.
My wife and I have a medical debt that is currently being held by IMC Credit Services. One of their employees by the name of XXXX XXXX used his personal cell phone to contact my wife in connection of this debt. His number is XXXX. This communication tactic was intentionally misleading and violates the FDCPA. XXXX XXXX also utilized IMC Credit Services business line to contact my wife at her place of employment, and cell phone. I had previous correspondence with this agency and made a verbal request on a recorded line to only make verbal communication through my cell phone number, which they failed to do on several occasions.
I tried to open Santander Bank Checking account again - may be i will get different questions to go ahead with the application or simply call the customer service to go ahead. But I am not able to open the account second time also. I was provided very very difficult questions to answer and that too in less than 10 minutes ( XXXX seconds time counter going on ). Is this bank really want to do the business??? Why so much difficult questions. I called upon Customer Service and talked to XXXX at XXXX to XXXX XXXX but he was also not of much help. Finally as a fall back option - I uploaded my Arizona Driver 's license and XXXX statement - XX/XX/XXXX statement but end of the day - my application was declined. XXXX told me that if in case i am travelling to North east - i can visit the branch ... .so do they expect people to fly down to their branch just because they have created totally useless and terrible Account opening module? Moreover I am not opting for overdraft protection - so why they need to so much extra vigilant in terms of identity protection ... it 's good to have identity protection to make sure somebody does n't steal your identity but if it is coming in the way of genuine and real folks ... then it 's a big problem ... i was able to answer all the questions that XXXX asked ... then why i am not able to open the account? I am in this country since XX/XX/XXXX and changed locations also. This kind of process is just too much unfair for people like me ... .why do they expect that i remember all the phone numbers for the last 15 years? Why do they expect that i should remember which credit card i had it and on what month and year? why do they expect that i should remember when my loan got closed?? Is n't it too much??? where is the limit???? this is ridiculous by every means and that too they are pressurizing the customer to answer and remember everything in less than 10 minutes otherwise you are declined. They declined my application ( i got the email immediately ) even without seeing my driver 's license and Bank statement ... .You ca n't be so so tough on anybody ... .this is absolutely ridiculous and nothing else. And if they had to anyway decline my application - why they collected all the information at the first place??? Why they wasted my time ... almost 20 minutes to work on this process of opening the account??? why not this verification process at the very start of the account opening process? Moreover how secure is my information that i have provided to them ... this is PII data - how they are protecting my identity after collecting this information from me.
Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. 
the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. 
How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. 
After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. 
I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. 
my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX
I applied for a Citi " secured '' Mastercard due to trying to rebuild my credit. I was notified on XX/XX/XXXX by mail that my application was declined ( received letter on XX/XX/XXXX ). The reason for the decline was listed as " Your previous or existing account with us has a history of late payments ''. I contacted Citi bank on XX/XX/XXXX and spoke to 2 different female customer service reps ; after trying to guess a former address of the previous account, it was discovered the account was from XXXX ; and additionally I filed Chapter XXXX Bankruptcy in XXXX. This " previous account '' is 17 yrs old ; and it is wholly improper for a bank or any lender to base their application process on such an old account ; especially since this was an application for a " Secured '' card, in which the credit limit is equal to the deposit of {$200.00}. I was told several times by the 2nd associate that a " secured card is for people trying to REBUILD credit '' ; the very thing I am trying to do. Every lender has a right to deny an application ; but the process should be an unbiased and equal lender to all consumers. Having based this decision on this old account, especially one that can no longer be collected on or reported on a Credit report is not within the law or the " Equal Credit Opportunity Act ''.
My name is XXXX XXXX. My husband, XXXX XXXX, passed away on XX/XX/XXXX due to a XXXX. I am on Social Security and XXXX. I have been raising my Grandson since he was an infant. Nationstar states that I can not be granted a loan modification because I was granted a loan modification in XX/XX/XXXX. That modification was granted to my husband, and not me, as I have only assumed the loan recently, and after his death. My Nationstar loan is set to go up yet again in XXXX, XXXX. I am barely keeping my head above water as-is, and Nationstar states that I would have to go late on my mortgage to be reviewed for modification. I find it unfair that I am being punished for making my financial obligation to Nationstar my XXXX priority. From what I understand, my income qualifies me for a loan modification and I, personally, have never been granted a loan modification as I was never on the loan prior to my husband dying, so there denial of my last assistance request is unjustified.
Equifax had a cyber security breach. According to Equifax, my information might have been compromised.
I have credit cards with Chase and I have contacted them to arrange payment. I indicated to their customer service contractor that I am having difficulty in meeting the even the minimum payments on all of my credit cards. I asked them if they have the same program that XXXX have extended to me ( 59 and 60 months repayment plan with lower interest rates ). They said that they do not offer such a plan and I should pay my credit card. I want to pay off my debt but I just need time to get caught up. Thank you for whatever help you can extend to me. 

XXXX XXXX
Ever since my mortgage transferred over fro m America 's Home Servicing Company to Wells Fargo Home mortgage several   months ago, I have been unable to log into my mortgage account. I have contacted customer service about a half dozen times and no one can help me and does not know why my mortgage account can not be accessed. I just tonight spent about 2 hours on the phone and was transferred among 6 different numbers and spoke to about 8 people, all of who either had to transfer me, due to lack of knowledge or access, or just could not figure it out. I have not had access to my online mortgage account now going on 3 months and I need to get in to review statements, tax docs, rates and other terms of my mortgage account. The last interaction I had with Wells Fargo tonight was that someone was going to put in a trouble ticket and get back to me in 10 business days. Completely unacceptable
In the month of XXXX I had made a call to Walmart Customer Service asking for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. I attempted to use my store card in the month of XXXX for a drink purchase. The card was denied use due to a " late payment ''. I again called Walmart Customer Service. I verified with them that I have made a payment of {$38.00} which was the last known amount prior to the missing statements. I again asked for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. On XXXX XXXX, I was made aware of an identity theft incident by XXXX XXXX XXXX. On XX/XX/XXXX I had made a 3rd phone call to Walmart Customer Service asking for my statements to be mailed to me spanning XXXX XXXX to XXXX XXXX so I can identify if any fraudulent activity occured on my account. Again they verified my address and said they would send them. To this date I have not received my statements. I have tried to work with Walmart to obtain my statements, verify that no fraudulent activity and make the payments. Walmart has refused to send me my statements and now has sent late payment reports to the credit bureaus XXXX  and XXXX which is damaging my credit standing when applying for loans/credit lines.
I got a letter from many companies one is : Citizens One Auto Finance I never applied for a Auto Loan with XXXX XXXX They misspelled my name I never filled out any application I have been getting these for day now and I do not know why? I just saw my credit hit by negative and down XXXX points
I previously filed a complaint XXXX which was resolved to my satisfaction by USAA 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, USAA reverted to the prior incorrect reporting with XXXX and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, USAA has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
This is my 2nd complaint! There have been Too many escrow shortages with this mortgage! We bought this home XX/XX/14 and there have been a total of 4 shortages, 3 with my current lender. 

I want to delete my escrow account, however my mortgage company is trying to charge me {$980.00} to do so! This is the 4th home I've owned in my life, and never had this happen until now!
XXXX send a letter to old address about possibly taking legal actions XXXX Spoke with them on the phone asking the to please stop sending anything to that address and also to stop calling. They couldnt provide proof. They then threatened that it would turn into them suing me. 

XXXX started calling relitives and telling them i put their number down as my contact info.
I have asked these people to stop calling me around 5 times already. There has been times when they call daily 2-3 times a day. They said that because I signed a contract with them, that they can call me as much as they want. I stated to them that by law they have to stop calling me and they say that they do n't care and that they are going to keep on. Also they threatened me to reposes my car. According to the contract I signed on paragraph XXXX it states that if I want for them to stop the calls, for me to let them know, which I have and they refuse to do so.
They call daily over 5 times a day and sometimes within 10 mins of each other. They call from blocked number so there is no number. Then they use spoof numbers