WillisBack/dataset-financial-user-claim huggingface dataset:
have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to XXXX  was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
I was never contacted about a debt ( that I do not owe ) from the Department of Education. the debt i 'm told starts from 1994. All of a sudden my wages are being garnished. I had no knowledge of ANY debt owed, and I was not given an opportunity to communicate with anyone to either confirm or deny that I owe anything, but instead the order was sent to my employer. If anything was mailed to me, I never received it. Absence of a response does n't mean I owe anything. I was never given a chance to defend myself. And now out of the blue, I have to figure out how to pay my rent!!
I 've been trying to dispute this alleged collection debt of {$720.00} that XXXX XXXX ( CV ) claims I owe. I sent CV my first certified letter dated XX/XX/XXXX, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from XXXX XXXX should be ceased and removed from all my credit reports. 

CV replied with a letter dated XX/XX/XXXX, stating that they completed their investigation and found the debt " valid. '' Their verification included a letter from XXXX XXXX XXXX, which appears that CV contacted XXXX XXXX XXXX under " my name and current mailing address. '' That letter included an itemized bill, but no sight of any signature agreeing that I pay XXXX XXXX. CV 's evidence is invalid. 

I sent a second certified letter dated XX/XX/XXXX, which CV received on XX/XX/XXXX. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from XXXX XXXX since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my credit reports
Well over 30 days ago, I submitted investigation requests to all three credit bureaus : XXXX, Experian, and XXXX XXXX. They should have responded with the result by now, but they have not.
I have a loan with DEPTEDNELNET. 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  and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
In reviewing my credit reports from the XXXX major credit agencies, I see a creditor reporting an account that violates the HIPAA Law. I requested a total deletion under the FCRA. According to the Federal Credit Reporting Act, their duty as a creditor is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or myself as the consumer. I would like to thank you in advance for upholding the law as dictated by the FCRA and removing this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX I have disputed this medical account with the reporting collection agency and they provided me with medical summary charges in which they violated HIPPA law. If needed I have proof to provide.
I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.
XXXX XXXX added a collection account to my three bureau credit reports for {$1000.00} in XX/XX/XXXX. It lists the original creditor as XXXX. I closed my XXXX account in XX/XX/XXXX. I never received written notification of a presumed debt from XXXX XXXX and I never had a debt from XXXX. I have been XXXX with the military since XX/XX/XXXX and under SCRA protection. I believe XXXX XXXX 's practices to be illegal but they wont remove the items and it has dropped my credit score 40 points.
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Premium CB. On XX/XX/18 I sent a certified letter to Premium CB requesting proof of " written authorization '' by me with my signature to pull my credit. Premium CB only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Premium CB is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. 

https : //www.ftc.govXXXX
I answered one of CBE Group 's phone calls. I have no idea what debt they are trying to collect but they asked for me by name. When I offered to make a minimal payment of {$25.00} twice monthly they refused to take and said I would need to qualify under their financial needs program. They told me I would need to be asked several questions. The first gentleman I spoke with was very pushy about the questions and insisted that my household should have a savings built up. He told me exactly how much money I should have left over after every paycheck and that the numbers just do n't come up right for me to have no money and not be able to pay more than {$25.00} twice a month. Then he insisted I ask anyone I know to loan me the money. After I put my foot down he got his " manager '' to redo everything he just did. The manager was rude and pushy with me also. He continuously insisted I " find a way to get the money right away and pay it all at once '' and that " the company they were collecting for wanted one lump sum payment ''. I was told to open a new credit card or take out a personal loan to pay the debt. He also kept telling me that there is no way I 'm broke and have no money, that my financial situation just does n't add up. After this, I let the man know that I needed to get off the phone, which I had already been on for 30 minutes, because I have a child that needed to be tended to. I said I would need to discuss this with my husband and his response was " well how much time do you need to talk to him, a day? ". He got a little rude with me about wanting to get off the phone before the debt was settled and said they 'd calling back in 24 hours. In an attempt to answer the call I just said " ok '' and hung up. This was about 3 weeks ago. They 've proceeded to call me everyday since, even taking it as far as calling me on a Sunday.
My social security card is not matching my name what do I do? I tried my maiden name and my other husbands name also.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX is currently reporting two collection account to my credit bureau. After contacting XXXX, I was told that the debt does not belong to me but, rather my XXXX  sister. Being XXXX, we do share the same birthdate. According to the rep from XXXX, the error will not be corrected until my sister pays the debt. I have disputed the debt with all three bureaus but XXXX will not correct my credit bureau report and remove collection accounts. XXXX has also stated that they can not send me supporting information since the account is not mine.
I sent a Cease and Desist to Firstmark XXXX Services via email to XXXX XXXX on XXXX XXXX, 2016, I was then contacted by XXXX XXXX with Firstmark on XXXX XXXX, 2016 trying to collect a payment that only a few days late. I reiterated I sent a Cease and Desist and she replied there was no record of it. I sent another Cease and Desist on XXXX XXXX, 2016 to XXXX XXXX via email. They are still sending me emails other than my monthly and also sending harassing letters to my father. I need this harassment to cease immediately.
I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then. 

I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections. 

I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me. 

The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress. 
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department. 

I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.
In XXXX, 2016, I applied for a mortgage refinance loan with XXXX XXXX XXXX located in XXXX, California. XXXX XXXX assigned my loan to NexTitle, Title & Escrow Company, also located in XXXX, California. It is problems arising with the escrow company that I hereby submit this complaint. I allege this escrow company engaged in unfair & deceptive business practices. At signing of loan documents, without prior notice, escrow demanded a fee in the amount of {$310.00}. No reason was provided, but without this payment, my loan would not be processed. A check for this amount was issued and cashed by escrow. Later, escrow stated this money was needed to pay my homeowners insurance, which in fact, was already paid through 2016. On XXXX XXXX, 2016, escrow notified me that my XXXX mortgage with XXXX XXXX had been paid. The XXXX mortgage was in fact not timely paid. Despite notification of the correct payoff amount by XXXX XXXX, escrow was late in payment for total payoff. This late payoff caused me to incur additional interest & fees in the amount of {$110.00}. Upon inquiry, escrow refused to answer my questions. On XXXX XXXX, 2016, escrow issued me a refund check. On XXXX XXXX, 2016, escrow issued me a second refund check with no cover letter or attachment. On XXXX XXXX, 2016, I was notified by my bank that escrow placed a stop payment on their first refund check. No reason was provided. On XXXX XXXX, 2016, XXXX Bank issued a refund to escrow for the amount of {$50.00}. This refund was for a waiver of a XXXX of XXXX XXXX, which I had previously paid in escrow. Despite my demands, escrow refused to communicate or answer my questions. Because of escrow 's remiss actions, I have incurred {$250.00} in attorney fees for legal consultation of their stop check issuance and review of my escrow documents. I have incurred the amount of {$110.00} for fees arising to escrow 's late payment. I have also incurred a non refunded fee of {$50.00}. Lastly, I have incurred fees for postage, faxes, bank fees, and other related costs arising from their actions. The escrow company has provided me with a {$50.00} check to cover my bank related stop payment fees. However, this money does not make me whole for my expenses and damages to date. I am attaching a copy of a certified letter I submitted to escrow on XXXX XXXX, 2016. Escrow received and signed this letter on XXXX XXXX, 2016. Escrow has been non responsive to my demand to reasonably resolve this matter. I believe escrow violated state & federal law. They have not been truthful. The amount of {$310.00} they received was never utilized to pay my insured. Escrow late payoff to my XXXX mortgage bank was the proximate cause of I being assessed the amount of {$110.00}. I have documented proof to support this complaint. I will provide them to your office, upon demand. I believe this escrow company, as my paid agent, breached their ethical, legal, and fiduciary duty. I desire in the interest of public safety, consumers be aware of these unfair & deceptive business practices. If requested, I will testify to this matter at any administrative hearing.
Have tried to access my FREE ANNUAL CREDIT REPORTS at https :  //www.annualcreditreport.com/XXXX  experian will not let me get my report says I have to call a phone number. 

XXXX will not let me get my report says I have to contact them .also went to XXXX direct and the VERIFICATION QUESTIONS are about accounts opened that I have never opened so of course I am mot going to be able to answer them correctly.They say contact them directly XXXX provided my report no problem. 

This is stupid that I can never get my credit reports from XXXX or Experian. 

They need to be fined for every free annual credit report they do not give .In this day and age it takes 10 seconds or less to access a data base and provide whats in that data base about my credit report yet can not get it because their computer come up with bogus questions.
I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
I Were contact by this collection agency Alliance one receivable management XXXX about a debt that Were place in there office from the original creditor XXXX XXXX credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.
I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.
I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in  XXXX  the house was approached for  XXXX  but a house seemlier to my house in the  XXXX   XXXX  sold for  XXXX  i tried call to explain to  navy  that the  XXXX  used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.
On Friday, XX/XX/2018, I received a letter from Phoenix Financial Services stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called.
They are looking for someone I used to date and they have repeatedly called me have been looking into my social media and contacting my family and friends. As well as the family of my friends. The debt is not mine which they understand but continue to harass Me and my family.