WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for a loan through my local credit union. After not hearing anything for a week, I was notified by the credit union that I had been flagged as fraud due to a report given them by Experian. The information Experian kept on file was nearly 10 years out of date. I have changed address and my name has changed due to citenzenship and marriage. When I contacted Experian to resolve this issue the representative gave me a fax number and told me to send all pertinent information to that number. The fax number was for a company that may be called Experian Consumer Relation Group, XXXX, XXXX, or Experian XXXX XXXX. The correspondence uses all XXXX names ambiguously and it is unclear which one is the one which I contacted. They sent a letter ( enclosed ) stating that they are unable to make any changes and directed me back the phone number for Experian. They have stuck me in a hand off cycle and no resolution, or attempt thereof, has been made.
I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.
I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.
XX/XX/XXXX I have sent out certified letters disputing the errors on my credit report. 
asking for proof that I owe debt. and to show me the validity of debt.. 
XX/XX/XXXX they sent me letter saying i am aware they represent doctors that they confirm theres an outstanding balance with no further information like i requested. 
except a bill. 
XX/XX/XXXX I send a second letter Stating that is not enough that I have rights and i have given them over 30 days to remedy situation. Since they can not give proper validation to remove from my credit report. 
XX/XX/XXXX they send me same letter in response. That I am aware they represent doctors. and they have confirmed it is valid and i am aware the balance is outstanding. 
I have disbuted with credit bureas the credit bureas are not doing proper investigations I make phone call to the agency regarding this and ask to remove. 

XX/XX/XXXX they send me yet another letter same as the others. I am aware they represent doctors. the debts are outstanding ... ..they are also over 5 years old They were my fathers he passed away. I have also told the statutes of limitations are over please remove. there are many resons to remove from my credit report 1 not mine i have not lived in florida since XX/XX/XXXX 2. they will not send me proper validation or anything which i lsted in attached letters according to facta FDCPA Fair Credit Reporting Act Violation of Fair Debt Collection Practices 3. statutes of limitations are over. 

I tried calling the agency on bill they had no records and would not speak to me due to HIIPA laws
I have made multiple attempts to cancel Mortgage Insurance on my loan with LoanCare over the last 8 months. They have been unresponsive and difficult to get in contact with and I have been unable to get the issue resolved. The instructions given by the LoanCare representative have been followed, and all requirements have been met.
I have a large amount of private loans through Navient, in which originally began 10 years ago when I started my XXXX degree. I am currently finishing my XXXX XXXX, however ran out of " deferment period '' due to being in school too long. I have had to pay Navient a series of {$150.00} every three months to place my loans into forbearance status until I graduate with my second degree and am able to make the payments. My loans were set up to enter repayment on XX/XX/XXXX if I did not pay an additional {$150.00} to place them in forbearance for another three months. I called customer service on XX/XX/XXXX, spoke to customer service, paid the {$150.00}, and was emailed confirmation that the payment was successfully processed. However, Navient did not process the forbearance request and on XX/XX/XXXX, a total of {$590.00} was deducted from my checking account, causing my checking account to overdraw and leaving me with {$140.00} in overdraft fees ( a total of {$740.00} taken from my account, unauthorized ). I did not discover that Navient processed the payments until XX/XX/XXXX, and immediately called them where the representative refused to allow me to speak to a supervisor and simply stated that the forbearance was not processed the previous week as it was supposed to be, but she would do it immediately. I went through the motions of the questions to place the loans into forbearance again, and got the confirmation that it was successfully processed, again. The representative stated that the funds " should be '' returned to my account in 3-4 business days, however she could not verify if it would, in fact, be refunded. If it was not refunded, I could then call back and complete a refund request with a supervisor, but could not speak to a supervisor until that time. In addition, I provided them documentation that my checking account was overdrawn and I was charged {$37.00} for each loan ( 4 loans total ) as overdraft fees, totaling {$140.00}. The statement that I was provided from my bank had shown 3 of the 4 loans resulting in an overdrawn fee, and they placed the 4th fee on another payment that was made the same day that was authorized. Consequently, Navient would only pay {$110.00} of the overdraft fees and would not be processed in my account for 10-11 business days. Over the course of the past five years, I have had nothing but problems with this company.
i filed chapter XXXX XX/XX/XXXX but dismissed it XX/XX/XXXX XXXX says it stays on 10 years from XX/XX/XXXX but other reports from other agencies says it should go off in 7 years i read on internet also saying 7 years transition and XXXX already took it off what is the law for chapterXXXX
I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable.
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX   Address of creditor/collection agency Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe {$400.00} on a {$300.00}, account and it is in collections. After being sold 5 different times This is a formal notice that your erroneous claim ( s ) is/are now disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX ) Your current address XXXX 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. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX CC : Attorney General 's Office CC : XXXX XXXX XXXX
When I opened a CapitalOne credit card by phone, the sales person committed fraud by not disclosing that the card had a $ XXXX/mo annual " membership '' fee Until now, CapitalOne had been waiving this to make up for that, but now I 'm being treated rudely and I 'll need to close the account because they will no longer waive the fee they never freaking disclosed. 

It will hurt my credit score to close the account and I can not afford to, but I 'm not going to be hustled for $ XXXX/year either.
In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you.
Equifax is reporting a public record of a judgement against me. I went to the court, and there is no such judgement of record from this court against me.
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....
I was part of a XXXX with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to XXXX , XXXX, who hired the Law Offices of Joe Pezzuto in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the XXXX day time frame, for XXXX , XXXX and the Law Offices of Joe Pezzuto to validate this debt, and and my request was IGNORED. XXXX , XXXX, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since XXXX , XXXX, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If XXXX , XXXX attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.
cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police report
I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX and Experian ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
In   XXXX     I went into a modification mortgage program with  Ocwen Mor tgage  Services  employed by   XXXX   XXXX  . The modified mortgage would be a fixed rate, 20 year mortgage. I was told there would be a balloon payment. However, I was never told the balloon amount and, it was not disclosed in the modification agreement I executed. I requested by e-mail before and after the execution of the modification agreement the amount of the balloon payment and it was never disclosed by the mortgage representative. The mortgage would be paid in full on  XX/XX/XXXX  and the lump sum balloon payment due at that time. Over a year into the mortgage modification and on   one of my many calls to Ocwen a customer service representative told me that the lump sum balloon payment would be {$80000.00}. Ocwen representatives have admitted that the amount of {$80000.00} was not disclosed in the documents executed. Ocwen acknowledges that their representative assisting me with the modification verbally told me the {$80000.00} amount before execution of the modification agreement. The latter is not true.
Meanwhile, payments that started at several hundred do  llars monthly have been as high as {$1500.00} plus monthly and currently {$1000.00} and rising again.
I had a mobil account with XXXX in XX/XX/XXXX. I lost my account due to FBI wanting my phone shut off in the state of TN. XX/XX/XXXX I was put into XXXX XXXX XXXX TN and I worked the debt off. XXXX  contacted me while i was there paying my debts with forced labor. In XX/XX/XXXX I was informed that i no longer owed XXXX anything, that everything had been paid in full, both accounts. <P/>XX/XX/XXXX I walked into an XXXX store here in XXXX XXXX Nevada and opened a new account, without a deposit for the account. <P/>Why do they still have an charged off account on my credit report from EOS CCA? I do not owe XXXX any money for my previous accounts. I 'm up to date on my current account. <P/>I 've been having problems with FBI/CIA blackmailing my creditors to keep false information on my credit accounts. I hired lawyers two years ago the fix this problem, but some creditors still keep listening to FBI/CIA. If yo look at my credit report, one month they show up, report for a while, then disappeare. years later, they show up again. Blackmailed by FBI/CiA. What was the since of working for free in XXXX XXXX in TN. It has n't taken my debt off my credit report. TN, FBI, CIA needs to be investigated for bothering peoples credit!
On XXXX XXXX 2017 three fraudulent withdrawals were made from my account. A total of {$7000.00} was withdrawn from my checking account. I immediately contacted Bank of America to inform them that the transactions were fraudulent and submit a fraud claim. My claim has been denied despite the fact I have supplied evidence proving that the could not have been made by me and are therefore fraudulent. I am happy to supply this evidence to you if it would be helpful. My understanding of Reg E is that my liability as the victim of fraud is capped at {$50.00}. Bank of America continue to refund my money despite my repeated efforts to resolve the matter.
NCB Management has an account reporting on my credit report with XXXX. It shows opened XX/XX/2016 and has an open status. This does show included in bankruptcy in the notes and a XXXX  balance but they refuse to close this account. I disputed this with them and XXXX  but have not had this corrected. It is still showing open and under my collections on my report.
I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.
Our payment forXX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid bothXX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX( 8 days past due ) andXX/XX/XXXXpayment was due on theXX/XX/XXXXand it was paid onXX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX. I called XXXX to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXX and late for XX/XX/XXXX for our XXXX XXXX  account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflecting XX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/XXXX
I have sent Transunion two certified letter, notated by my credit union with a copy of my ssn and drivers license for disputing items off my credit report. One letter was mailedXX/XX/XXXXXX/XX/XXXX they mailed the investigation results summary back XX/XX/XXXX, I immediately call Transunion and ask to spoke to a manager and then when the manager got on the phone I ask to speak to their manager. A gentleman answer the phone, I explained what happen and apologize about the issues and concerns. He ask me to fax in the documents, I informed him that I will mail them certified mail again with different letters. I also informed him that things were taking off my credit report as deleted from Transunion and later put back on. So, on XX/XX/XXXX I mailed 4 letters and supporting documents to back my claim up. That brings me to today, I call to check the statues on the dispute letter I sent XX/XX/XXXX, one young lady told me they never received it the only one they have was the XX/XX/XXXX  I ask to spoke to a supervisor or manager, she forwarded me to the supervisor who told me that my disputed letters looks the same and that every time I sent letters in that nothing would be done on my credit report and yes we did get the XX/XX/XXXX letter but so what they looks the same, I asked her was there any other documents with the letter she said no. I said I need to speak to someone else because you are rude and very unprofessional and unacceptable, she told me I am the next step there is nobody over me. I ask her what is the number or website to file a complaint and she rush to give me that and they hang up. I do have names of this person I spoke with and have all my documents to prove they have violated the FCRA law. I have Proof Accounts was deleted and Transunion violated my rights. I have be writing letters after letters since XX/XX/XXXX, spending money that I really do n't have. I am asking the CFPB to step in and help, I cry and cry because Transunion has be giving me the run around sinceXX/XX/XXXX. I ask her did they provide documents to show I owe this money, she said they do n't have they told us. I told her that I understand that this type of reporting is all electronic.There is no paperwork, it 's all digital. There is never a verification of any signed documents or contracts or anything. Every month, without fail, banks and credit card companies send electronic files with details of your account to the CRA 's. The Credit Reporting Agencies or bureaus place this information into your credit report without VERIFICATION. No one is checking if this account is really yours. No one is checking if the information is CORRECT. No one is checking on the banks or creditors to make sure that they are doing the right thing. Please help