WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.
BLEIER & COX APC is misrepresenting and falsely claiming that they were retained by XXXX XXXX to collect a debt owed by me to XXXX XXXX. This law firm has been threatening to contact my job to garnish my pay. The fact of the matter is that this debt was paid in full and the statues of limitations to legally collect anything had long expired. They have sent me letters indicating that it is a court document which is false. The document/letters they sent me has no official stamp of authentication from the superior court of california. I have attached such a letter from this law firm. The firm is also claiming to be a law firm, but my investigation has determined that it is a paralegal firm using an attorney 's name. I want them to cease and desist. My option is a counter suit for violations committed. Have seek the counsel of an attorney who sues for violations of the FDCA they indicated that I have a very good case.
I filed bk a year ago and have been able to see my accounts online for chase the entire time and in  XXXX  f last year my attorney faxed in a letter to them saying I could get statements and year end tax items as well and until yesterday I was not able to see my account online for some reason. I called chase they told me due to the new conversion on their system is why I cant see them now and I am not able to pay on line anymore as I have been doing every month from my chase account. they say my bk is not  discharged  when It is they acknowledge they have the discharge but now want a " termination letter '' from the court which takes years to get done. all I want to do is pay my account like I have been doing since  XXXX , on time and in full each month never late. they told me to mail in my payments, this is not secure and I have no way to know they got there or are being applied because I cant see it online like I normal do from my account. no one wants to help me and this lady I spoke to on  XXXX / XXXX / XXXX  named  XXXX   XXXX  who was a manager was the most condescending person I have ever spoken to, I am being discriminated against because I was forced into a bk. they keep loosing letters my attorney send them saying I can get statements or they can speak to me and it cost me money every time it has to be resent to them they are unprofessional and unkind.
ask company to provide validation that debt was mine and the stated that they do n't have to. sent a validation letter on  XXXX  and still have not heard from the company for validation. Also disputed with the credit bureau.
we used to live in the apartment, the contract supposed to end by XX/XX/2017, we move out on XX/XX/XXXX and we gave them the notice the same day. The managment told us that we have to pay 1 month rent because we didn't give them 20 days notice, and they refuse to do the move inspection because we didn't give them the 20 days notice. later they send us a letter stating that we owe the money XXXX . 

later they sent that to the collection agency and they explain that the amount is for 1 month rent and the damage that has been done to the apartment. I told them we didn't go over with them they refuse to do the inspection with us where come the amount they charge us. we suppose to do the move out inspection but it didn't happen. then the collection agency start charging and send us the summon that they are suing us. 
I call them today and try to make a payment on XXXX $ they refuse they said I have to pay them XXXX $ because they already file a suit but I checked with the local court there is no lawsuit in my name. We dropped the apartment key on XX/XX/2017, we gave them a notice on XX/XX/2017 2017
Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.
I placed an order with XXXX online witch i then bought furniture I did not receive the livingroom set sofa loveseat and chair. I bought a dining room table set with 10 chairs that i sent back due to damages but I was never giving a refund for any of these items. 

I also placed an order with XXXX and I canceled my trip but I was not refunded I called XXXX I also called XXXX XXXX both places told me there was nothing I could do. I called XXXX XXXX   with all of my information but they did nothing as well to help me. 

Charges for : XXXX {$2000.00} Charges for : XXXX {$1000.00} I also have inquiries on my report that affect my credit score and I have no knowledge of these 6 hard inquiries that hurt my credit report. I did not authorize theses inquiries and Im requesting that it gets removed from my credit report. I am a victim of identity theft I also made a police report witch I will have for future reference.
I recently purchased my first home using a FHA loan. My loan was sold to Amerihome Mortgage and I have been having issues getting them to accept my mortgage payment ever since. I have submitted multiple payments through their online system, their phone system, and XXXX XXXX Bill Pay only to have the payment be rejected by Amerihome each time. I have the correct account number and have the funds in my bank account. I have called them numerous times, had a threeway call with Amerihome and XXXX XXXX, and still have not had this issue resolved. Despite Amerihome being aware of the issue, they continue to harass me with automated calls demanding payments. They do not respond to my emails, and always promise to have a supervisor call me back, but I have not recieved any calls besides the harassing automated payments. I warned Amerihome that I would file a complaint with BCFP but clearly they are not worried about it because I am still unable to successfully submit a payment to them. I am at my whits end and just want to have my mortgage paid and my credit clean. Please help me! 

Thank you!
I emailed Bank of America ( BofA ) on XX/XX/2018 and have yet to receive a reply. The was was directed towards XXXX XXXX XXXX, Vice Chairman, Bank of America and I copied XXXX XXXX, Chairman of the Board and Chief Executive Officer, Bank of America. The email addressed my concern whether BofA is discriminating against lawful business. A copy of the aforementioned email is copied below : It read that the Bank of America plans to stop lending to manufacturers of " military-style firearms '' used by civilians. Why would a respected company, such as yours, discriminate against lawful businesses? I can imagine you might have reservations lending to companies that deal with, for instance, XXXX that is legalized in some states but is not decriminalized on a Federal level. However, these businesses that you now target conduct lawful business which is still protected by the 2nd Amendment included in our nation 's Bill of  Rights. These " military-style firearms '' are not military weapons and can legally be purchased by law abiding citizens who pass the ATF Form XXXX, Firearms Transaction Record ( Form XXXX ), background check.
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXXXXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
This has been an ongoing issue with their OD charges. I would use my card and have the funds available, and Ill see the items on my account a pending authorization. As soon as the items post my account is negative and Im getting NSF fees for items that were already pulled from my available balance. Ive been told multiple time how they post items and I follow what theyve told me but Im still getting fees and the run around. No one wants to correct look into this issue. Ive been mislead by this bank time and time again.
In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.
Trans Union, XXXX and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}
XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I purchased a {$200.00} American Express gift card from the XXXX at XXXX XXXX XXXX XXXX, XXXX, RI on XX/XX/XXXX. I used the card normally for in person purchases. It remained in my possession in my wallet except when it was being used for purchases. On XX/XX/XXXX, two fraudulent purchases were made over the internet using my card totally {$130.00} ( two charges to XXXX @ {$19.00} and {$120.00} ). I noticed these charges on XX/XX/XXXX when checking the card 's balance on the American Express website. This check of an older card was done because I had fraudulent charges on another card - I went back and checked all of my older cards. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that American Express would investigate and get back to me. It has been a month and I have n't been contacted.
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. Experian directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. Experian claims they recieved the alert from XXXX, who claims XXXX   initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.
I borrowed {$1200.00}. to help with funeral expenses for my mother. I was not informed of the 600 % plus interest rate on the loan. To date they have deducted {$2100.00} from my account and seek a repayment amount of {$7200.00} on a {$1200.00} loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I was emailed a disclosure to sign and that my signature would transfer to the loan agreement upon signing. I was able view the agreement with my signature after the funds were in my acct. I 've attempted to pay the full balance but was quoted an even larger immediate payoff than discussed. I later discovered that Myloansite.com is an affiliate of Dakota which operates its website at [ myloansite.com ]. Dakota 's lists its contact information as : MyLoanSite.com XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : XXXX Email : XXXX XXXXXXXXXXXX XXXX
I do not now a XXXX XXXX and I do not have a alias nor do I go by the name XXXX XXXX. Please address this issue. Thank you XXXX XXXX.
I get repeated calls from a collection agency called Midland for a very old debt about 12 years old. I get calls during work, on weekends and I do not appreciate the harassment.
I am filing this complaint because Experian has continuously ignored my request to provide me with the documents that their company should have on file that was used to verify the accounts I disputed. They have gone long beyond the 30 day mark and can not provide a legally binding verification, nor proof of that verification, which FCRA Section 611 ( 5 ) ( a ) states that I am entitled. On XX/XX/18 around XXXX CST I spoke with XXXX XXXX an Experian Supervisor in the fraud department. On a recorded line I was told, Experian does not verify the accounts with the original creditor and a third party was used ; it may or may not have been XXXX. I specifically asked for the name and business address of the third party furnisher of the information and was told that NO ONE at Experian has that information, so they CAN NOT provide it to me. 

XXXX XXXX XXXX XXXX XXXX defines Verification as confirmation of correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX vs. XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; XXXX vs. XXXX, XXXX App. Div. XXXX, XXXX XXXX XXXX XXXX XXXX. This legal definition is saying that the person verifying must be able to testify to its accuracy under oath, either by affidavit, in court or in court proceedings such as a deposition. In order to testify to accuracy the person would have to have 1st hand knowledge otherwise it is considered hearsay because the furnisher of the information is relying solely on public information and technology that has known to have mistakes. The courts has a firm ruling on hearsay : Testimony, whether live or in the form of an affidavit, to the effect that the witness has reviewed a file and that the file shows that the debtor is in default is hearsay and incompetent ; rather the records must be introduced after a proper foundation is provided XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX , 238~ These accounts have not been properly verified and are being reported with incorrect dates. During the XX/XX/18 call with XXXX ( an Experian Fraud Department Supervisor ) on a recorded line I was told, to go to the original creditor and request a stamped and certified statement to validate that the information Experian is reporting on my credit report contains errors. Yesterday I received certified, stamped and signed statements from the original creditor and attached it to this complaint. Experian is reporting outdated and inaccurate information with incorrect filing dates. Please reference the attached Experian credit report and the certified, stamped and signed statement from the original creditor. I am demanding that these derogatory accounts be immediately removed.
I check my credit at least twice a week due to identity theft last year. I noticed that a company called XXXX XXXX XXXX had an inquiry on my XXXX file dated XX/XX/XXXX. I called the company to ask them why they pulled my credit without my permission and they stated that they have a right to pull my credit because of a debt that I owed. I told them that I'm not aware of any bad debt and I have never received any information regarding the issue. They stated that they sent my information which is not true. I told them that they have violated my consumer rights and they have no right to pull my credit without my consent. I should be given the right to challenge and have them verify all information and resolve the issue there is absolutely no reason for this company to violate the protocol of a consumers rights.
Equifax is denying me access to do my disputes on line. I have submitted all accurate personal information and they keep saying that the information does not match their records. I have initiated a lawsuit as they are breaking the law by not allowing me access to submit my dispute of fraudulent information on my credit report. Due to this denial, I have been denied credit and have sustained XXXX   XXXX. Equifax was breached and my information was compromised and they are barring me from submitting my disputes. I am entitled to have fraudulent information removed from my report.
My attorney was assisting me in settling this matter with Carrington Mortgage Services LLC. On Tuesday XX/XX/XXXX, Carrington 's attorneys XXXX, XXXX XXXX XXXX confirmed to my attorney that Carrington Mortgage received a complete loss mitigation application and no sale date was set. 

On XX/XX/XXXX I received a letter from Carrington Mortgage Services LLC dated XX/XX/XXXX, stating that my application for mortgage assistance will not be considered because there is sale date within the 37 days of receiving the my initial application of a now scheduled sale date for XX/XX/XXXX. 

I have a confirmation from my attorney that Carrington Mortgage Services LLC received my mortgage assistance application on XX/XX/XXXX, FIFTY DAYS BEFORE any sale date existed. 

This is a clear violation of the dual tracking laws. I have been pre approved to for a loan to settle this matter and this bank is acting in bad faith and trying to foreclose on me. I ask that the CFPB look into this immediately, postpone the sale date until this matter can be resolved.
I am being refused a bank account at any of the major banks because of information BANK OF AMERICA is giving out to when ever I tried to open an account.i have spoke to bank of XXXX representative and was advised I could never have a relationship with bank of America, I also ried to open bank accounts at XXXX, XXXX XXXX and was told BANK OF AMERICA has some type of block against your name and ssn in the banking environment and only they can remove it ... this is discrimination in the fullest, very unfair treatment..My identity was manipulated during XXXX XXXX thur XXXX 2017..their is some fraud on a account that was in XXXX ... Its XXXX as a consumer should have the right to open a bank account per CONSUMER LAW AND CONSUMER PROTECTION AGENCY AND THE FAIR REPORTING ACT
Diversified Consultants Inc put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. The letter they sent shows a different balance than what is being reported top the collection bureaus. I request that Diversified Consultants Inc verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Diversified Consultants Inc is unable to provide the above identifying account information, this account must be deleted from all CRAs. I have attached the only letter which I have received from them. I requested validation, never received validation before it was added to my credit report
Please see attached Method of Validation request regarding the public records ( state tax lien ) item as reported by Equifax, as well as additional documentation. It is my belief that this public record has been incorrectly assigned to my credit report and therefore, I am requesting further, more specific documentation from Equifax 's most recent investigation. 

Please note : Equifax stated the details pertaining to the public record item on my credit report were updated based on data retrieved from a third party vendor, XXXX. 
However, XXXX has been unable to validate this public record item upon my request, stating : No such documentation exists in our database. Additionally, as shown by the attached documentation, I have been unable to obtain any such lien documentation from the state of Georgia tax agencies. Due to this lack of documentation and validation, I must request further assistance from Equifax, as outlined in the accompanying letter. 

Thank you for your continued attention and cooperation.
I submitted all of the required documents to have my income based student loan to be processed, and then I was told that the person who helped me had made a mistake. And, that I needed to submit more documents because the documents that I had submitted had expired. The process that the company has sent me through is mentally draining. The employees are incompetent and full of wrong and misleading information. My loans are constantly in forbearance because of the rigorous process it takes to recertify my income based loans.
TEK-COLLECT INC XXXX XXXX XXXX XXXX DBA XXXX   XX/XX/2018 {$320.00} {$320.00} XXXX XXXX XXXX XXXX, OH XXXX  ( XXXX  ) XXXX this not my account i haven't been to this Dr. in 6years this is a blatant re-attempt to put this back on my report as, it was already removed from my report previously
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - Trans Union and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!