WillisBack/dataset-financial-user-claim huggingface dataset:
DateXX/XX/XXXX EXPERIAN In response to ( A NON RESPONSE AFTER OVER 30 DAYS ) Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I receive a call at XXXX I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at XXXX est I receive another call from a rep at the same company name XXXX who id her rep number to be XXXX she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I was and I have proof she really COULD CARE LESS I ASK HER WHAT NUMBE IS SHE CALLING FROM SHE REFUSE TO GIVE ME HER DIRECT NUMBER HOWEVER TELLING ME THAT I CAN CALL THE NUMBER ON THE BACK OF MY CARD I TOLD HER I WANT HER DIRECT NUMBER WHICH SHE STILL GAVE ME THE NUMBE RON THE BACK IM AT WORK AND CANT CONTINUE TO TAKE CALLS AND IM SURE THIS IS NOT EVEN ILLEGAL FOR THEM TO CALL ME MULTIPLY TIMES AND ASLO FOR THEM TO KEEP CALLING A SPOUSE WHO DOES NOT EVEN OWE THE DEBTOR IS JUST CRAZY
I have been receiving several mail items to my home regarding a seemingly fishy company called XXXX XXXX XXXX XXXX XXXX, which they claim is linked to the legitimate company ( CoreLogic ) claiming that they paid my property taxes for me, and are seeking reimbursement. 

I have repeatedly ignore these requests as they sound extremely scammy and because I've paid my property taxes directly with the county.
XXXX XXXX XXXX claims I owe {$760.00} I dont know consumer never taken or borrowed money from consumer
I am filing this dispute against FedLoan due to the incorrect information that is being reported by Transunion and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These XXXX XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with Transunion and Equifax and I have received dispute results stating that XXXX verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and TRANSUNION to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XXXX.
I have submitted proper affidavit documents and statements and other important FCRA documents to XXXX under FCRA guidelines Section 605B blocking items that are fraudulent. These items were supposed to be dealt with within 5 business days, but it has been since XX/XX/XXXX and then again I submitted in XX/XX/XXXX. I have contacted XXXX, but a foreign representative is the only person I can work with and they just direct my call to another department. I believe they are just trying to exhaust me so I will give up on my fraud report.
Received several calls from this company, but they did not leave a message. I called their number, and asked repeatedly what company they were calling from ; what they were calling me in regards to ; what was the name of their company. Their employees refused to answer my questions, instead they just put me on hold and transferred me to another person. Then they would hang up. I called back again, and finally one of their representatives told me the name of their company was Trans World Systems. They did NOT tell me that this was in reference to a debt. They asked for personal information ( my name, address ) but refused to tell me why. Finally, I told the person that I would be filing a complaint with the FTC if they ever called me again. I asked them to confirm that I had told them not to call me, and the person said yes. Many times during my call, I asked them what this was in reference to, and they refused to answer. The only reason I know that they are debt collectors is from Googling the name of their company. I have not been told what debt this is in reference to, so I can not make any judgment about whether it is an actual debt, or a complete scam. They totally ignored their government requirement to tell me that their phone calls were in reference to a debt. In addition, I believe that they are attempting to mislead consumers with their name. It would be easy to confuse their name ( Trans World Systems ) with the legitimate company XXXX XXXX.
While accessing my Credit Report I noticed a collection from Optimum Outcomes. I 've written to this company to validate the debt they say I owe as well as their authority to collect on this debt and have received nothing. I feel as though my HIPPA rites have been violated as I have given NO entity permission to share my personal medical information with a third party.
Portfolio Recovery Associates still is contacting to collect a debt via phone after sending them a court ordered letter that the charge had been dismissed and no further action to be taken. They still contact me stating that they are threatening litigation which they ca n't for the same charge twice. I 've asked them to stop calling based on FCRA rules and they still keep calling me weekly. They say its their company policy that any request has to be made written and that they will keep calling and I am responsible for this debt. I have all court documents showing otherwise.
XX/XX/XXXX CASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXX to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired last XX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
I recently received a letter from Equifax dated XX/XX/2018 stating that 'We have received your request concerning a security freeze on your Equifax credit report. Unfortunately, we were unable to process your request because we need additional information. ' Then the letter requests that I submit items to validate my identity and address. 
I have made no recent requests to Equifax concerning my security freeze. 
My security freeze should be current and in place. 

I do not know why Equifax sent me this letter claiming that I made a request concerning a security freeze when I did not.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2016  I a m not sure how this happened, I believe that I had made my payments to you when I received my statements.     I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
I live in XXXX Florida. Several weeks ago we had XXXX XXXX. Immediately following XXXX XXXX, power was stopped throughout effected area. Costs associated with hurricane preparation, loss of food due to loss of power, costs associated with restoration including although not limited to batteries for fans, lights, replacement food, other consumables, and home repair exceeded {$1500.00}. 

Learned from local newspaper of Federal Regulations regarding National Federal Disasters supporting mortgage payment forbearances to mortgage servicing companies such that up to XXXX mortgage monthly payments can be delayed to end of mortgage term if a request of such is made to mortgage servicing company. 

I requested forbearance of my mortgage servicer Ocwen on XXXX/XXXX/XXXX. Company representative said that someone will call within 7 days. As of XXXX/XXXX/XXXX no one called or left a message. I called on XXXX/XXXX/XXXX and was advised by " XXXX ID XXXX '' Ocwen mortgage loan representative that Ocwen does not comply with Federal Regulations and furthermore has chosen not to work with forbearance payment delays. 

I find it odd that Ocwen has such an exception, which means that in addition to paying significantly more money than my monthly payment I need to accept further financial burdens. Incidentally Ocwen purchased my mortgage from another company, and given the choice Ocwen would not be my preference for a mortgage servicer.
At the time of my divorce in XXXX I had a credit rating of XXXX. I filed a quit claim deed to transfer ownership of our property to my ex wife and she agreed to take over the payments, she did not make the payments on time which drove my credit rating below XXXX. Since my credit rating started going down I have tried on numerous occasions to get the bank to release me as the primary borrower to no avail. On XXXX XXXX, XXXX through XXXX XXXX, XXXX she quit making payments so I took her to court to try to recover the property before the bank foreclosed on it. Upon arriving in court I was presented with a loan modification which she and her attorneys claimed released me as primary borrower which it did not. This loan modification was executed on XXXX XXXX, XXXX without my knowledge, consent or signature. The court judge advised me to do my due diligence and upon doing so I discovered that I am still the primary borrower and am not released from my obligation.
I have filed several disputes with TransUnion and XXXX for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has affected my FICO score.
I had an unauthorized transaction on my debit card account. and BBVA Bank refuses to credit my checking account. They always want to take the side of the merchant instead of their own customers. This is a terrible bank and nobody should do business with them.
I contacted Tranunion on multiple occasions ( both via telephone and US Mail ) about removing inquiries on my report that I did not authorize. They state that they have verified them. I contacted the creditors and they said Transuion has to remove them. Transunion will not remove these inquiries.
My mortgage went  to Navient fo r a  Student Loan  payment in the amount of {$1200.00} on  XXXX / XXXX /  XXXX   by my web bill pay service. I calle d Navient for  a refund and they said that they would not be able to give it back because my {$150.00} payment was late. It was sent to my mortgage who in turn gave it back in  two days so that I could give it to Navient, which I did. My mortgage payment was due on the first, I advised Navient of this and they said it could take 5- 10 days to ge t it back but they would expedite the service. My mortgage was late on  XXXX / XXXX /  XXXX  , and I still have not gotten the {$1200.00} back from  Navient al though they have pulled the money from my student loan account 15 days ago. So I can not pay my mortgage and my student loan is getting interest on {$1200.00} less because they have removed the payment but have not given it back to me. I am charging them {$170.00} in fees associated with not returning my payment in a timely fashion although they pulled it from my loan.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
On XX/XX/ I wrote a letter to XXXX XXXX explaining that my payments are late because of a loss in the family and I had to help with funeral cost. I ask the company if they could stop interest and not let my account go into collection. I received a response back that had nothing to do with my issue as stated in my letter. Today XX/XX/ I spoke to a representative who did not give his name but was not understanding the issue that I was stating. I told him that I was only able to make a payment of {$100.00} starting in XXXX because of my financial hardship I'm going through with helping my family with the loss of my loved one funeral cost. He stated that I have to make the mim payment of {$900.00} and I told him I do not have the money because of my financial hardship. He said then my account would be closed. Which I don't think is fair because they are not trying to help or be understanding of my situation.
On XX/XX/XXXX I sent a notice, via certified mail, to Portfolio Recovery Associates, that their claim for a collections account, with a balance of XXXX is formally disputed.
I requested validation of the debit, pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with local state laws, requesting " validation, " that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay them.
On XX/XX/XXXX Portfolio Recovery Associates sent me a letter titled Verification Information Concerning Portfolio Recovery Associates with an account number, and some additional irrelevant information, but nothing bearing my signature as requested.
On XX/XX/XXXX, I sent a second certified letter to Portfolio Recovery Associates, once again, requesting them to send me a copy of any viable evidence, bearing my signature showing the account is reporting accurately and that I have a binding contractual obligation to pay them the alleged amount.
I also requested the name, address, and telephone number of each person who personally verified this alleged account.
On XX/XX/XXXX Portfolio Recovery Associates sent me the same exact letter they sent me the first time. Once again, they have failed to provide any documents bearing my signature.
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They are in violation of the Fair Debt Collections Act and the Fair Credit Reporting Act.
Also defamation of character and negligent enablement of identity fraud.
I bought over {$1000.00} from Rooms to Go in XXXX XXXX from the store near XXXX in XXXX, TX. I called last month in XXXX XXXX to make a payment as I did not receive an invoice for my purchase. It appears Syncrony Bank is the credit card company I received financing from when making the purchase. I called Syncrony Bank to get a copy of my statemen, pay my bill and set up auto pay. They found my account with my social security. I was able to make my first payment but they would not provide me with my account number or help me set up an auto pay so my bills would not be late. Per the representative my address was incorrect and she had changed it that day. My job requires I deploy for extensive periods of time and I would not be home to get the next bill and pay on time. I explained this to the representative and a supervisor advising I could pay more to give an advance to next months payment but they refused to help. I came home for a week today and do not see a statement from Rooms to Go or Synchrony Bank. Concerned and upset, I called Syncrony Bank again ( XXXX/XXXX/XXXX ). I spoke to XXXX ( XXXX ) and explained I had n't received a bill for a purchase on XXXX XXXX. He showed no empathy or concern. Once again I got the run around that my address was incorrect. Again I paid- now my late bill- and was not allowed to collect my account number or set up auto pay. I was transferred to XXXX who could care less about my concern and stated she only sees the address change today. Basically stating I had lied about calling in before and changing it the first time. It 's almost three months and I have yet to review my first bill. Please audit this company as I 'm sure I am not the only one going through this type of situation.
Dear CFPB, XXXX / XXXX XXXXk has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
I obtained XXXX separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XX/XX/XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I  received a discharge letter from XXXX. All XXXX of my loans are being reported XXXX on my credit report by XXXX. XXXX corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my Equifax report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all XXXX of my loans on my credit file with all XXXX bureaus a XXXX time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported XXXX times with all three bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by XXXX and XXXX  by the XXXX XXXX XXXX. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are XXXX they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.