WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to remain calm and just be factual, thank you in advance. I disputed XXXX items on my Equifax on previous case XXXX. Equifax has deleted the XXXX. The one I have issue with is the XXXX account XXXX. The attached credit file revision from Equifax , has a note that states " Additional information has been provided from the original source regarding this item '' I need that information. XXXX and Equifax believe my last payment was not made XX/XX/XXXX but in XX/XX/XXXX which just happened to be the exact time we filed bankruptcy, so are we to believe I paid them at the same time I filed BK? 
If they actually received payments XX/XX/XXXX, XX/XX/XXXX I would have received a XXXX for interest they received. I have attached my XXXX from my first mortgage XX/XX/XXXX it 's very small as I only paid them a 2 months and the schedule A itemizing my interest deduction and the signed second page of our XXXX 's. It 's not logical that I would have not paid my first mortgage and for some reason paid the second mortgage, XXXX and then coincidentally not have been issued a XXXX? Would I really file a federal tax return with deducting the interest paid to XXXX, if I had made a payment XX/XX/XXXX, if I had received a XXXX? Why would XXXX not issue a XXXX ... I doubt if they needed too, No payments were made XX/XX/XXXX, so no XXXX was issued. 
If they are reporting my last payment was made in XXXX all I ask is they provide proof.
I submitted a complaint on XX/XX/17 in regards to a collection account on my credit report. The company responded to the complaint and stated they would send validation of said account. I never received validation and I am demanding that this account be removed from my reports. It is negatively affecting my credit score and hindering several processes.
Hi Yesterday ( XXXX XXXX 2015 ) I went to XXXX XXXX in XXXX, XXXX to enquire about leasing car. I informed them in advance that my credit score is around XXXX-XXXX but do not have long history so i dont want u to tun the credit check. The manager ( Name XXXX ) confidently told me that this will be only soft check so no impact on my score. Now I see that they did hard check which is absolutely wrong. I asked them multiple to make sure that I dont want this but they said no problem, no need to worry. Same thing happened with when I came to XXXX first time & XXXX XXXX manager gave me wrong information, tried to sell his credit card .... this is really not acceptable. I do pay all bills, rent in time, no defaults and still suffering with this. I hope u will sove my problem. 

Creditor -- XXXX Creditor Contact Details XXXX XXXX, NY XXXX ( XXXX ) XXXX
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.
I was contacted by phone from the NP Group ( XXXX & XXXX ) asking to speak to XXXX, ( my daughter ). They claimed they were collecting a debt against XXXX. I said I knew nothing about it. This is a intrusion of privacy, I am on the National do not call list and yet they call. I do not know how they got my number. My daughter contacted XXXX XXXX and they validated the fact that she did not owe anything and that this is a scam. XXXX lives in Tennessee and is filing a claim with the state there for the same reason. If you check on line you will see that this company has a long record of this type of behavior and bad business practice. What can be done to protect our citizens against this type of business practice? 
This is a continuation of my claim dated XXXX/XXXX/2016 that I submitted. On XXXX XXXX received a call from a company called XXXX ( XXXX ) that threatened her with the filing of a formal complaint against her for bank fraud and collection of a delinquent debt. She tried to get information on the company but they hung up on her. At XXXX I was contacted and asked to call XXXX regarding the whereabouts of XXXX, I called them but they would not provide me any information about their company, they proceeded to hang up on me. At XXXX today my son ( XXXX ) received the same call, he did not respond. At XXXX our home received the same call ( and I have it on my voice recorder ) and we did not respond. XXXX contacted the FTC and filed a like complaint ( ref # XXXX ). If you check on line you can confirm that the phone numbers they are calling from are real and are being used by scammers. What ca n be done to protect our citizens against this type of fraudulent business practices? We will help in any way we can. 
I am attaching the formal complaints that we have filed with the State of Minnesota along with what their coarse of action is. These provide more information than I typed in this box.
I recently was attempting to lease an apartment when the property management discovered a judgement on my credit report for over $ XXXX from USA DIscounters. This account has been taken care of for over a year. I called them to get a letter stating it was taken care of and they told me they 'd have to check and see if they had one since it had been over a year. I also asked about the credit report and they proceeded to tell me that it was my responsibility to file a dispute with the bureau. They have handled their part. My experience with them has been nothing but a hassle since day one. I also noticed there was lawsuit against them. I am not in the military any longer, but am I able to get retributions from these illegal procedures and charges.
So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX/ XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XXXX XXXX XXXX ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help
TODAYS DATE : XX/XX/XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SIMM ASSOCIATES To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. This account and any other account associated with my social Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent  evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..

Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On XX/XX/2018 XXXX XXXX indicates that an account or debt was owed by me in the amount of XXXX. This is not correct and I have not been to a XXXX XXXX XXXX XXXX as it is for children. I am close to XXXX years old and I am not eligible to be seen at these types of clinics. The company has posted that I owe this debt and it is on my credit without trying to contact me in any way. I found out about this just a few weeks ago when it landed on my credit. I could of paid long ago if I knew about this to avoid hitting my credit even if it was not me. I have contacted the company and they were suppose to send me medical records and statements on what I was seen for and if it even was my complete information. I have not received anything from XXXX or XXXX XXXX XXXX. I would like to also add that if my medical information has been compromised wrongfully by this company and I would have HIPAA initiate an investigation on how this occurred and if all companies are following the HIPAA Laws and Regulations.
I had file a dispute with Equifax in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.
On or around XX/XX/XXXX, I visited a Store named XXXX XXXX XXXX. My intentions were to purchase this with cash for a Set of Theatre Chairs. 2 Weeks after purchase the Product stopped working due to an electrical Problem. After Several Phone calls and Emails back and forth with Manufacture and Store, Conns sent a repair technician to service product. It took 2 more months before the company deemed the product not repairable. No replacement parts were installed and no service completed on defective product. After several months and me making a call in XX/XX/XXXX, they finally deemed the chair to be exchanged however they wanted to charge me {$100.00} to deliver it. I told them No that Id rather have a refund. I also informed them in XXXX of XXXX that I was no longer going to make payments on the product if they did not repair the chair or exchange it. It its now XXXX XXXX and I continue to call them for refund, however they say they still ca n't do that because its against their policy. They still wanted to charge me XXXX. I told them they have falsely reported my credit as negative as they sold me a product that stopped working and failed to make it right. 

Id like to file a complaint for falsely reporting my credit and have this removed from my credit.
I got some loans from companies that took control of my Bank Account with the help of my old bank Wells Fargo. I hired a company called XXXX XXXX to pay the companies that was taking everything I had coming in to live on, they was strangling me where I could not survive. I asked my bank to help me by not paying these companies for over a month. My bank Wells Fargo decided to pay these corrupt companies anyway, and I pleaded with them to stop paying them. The bank would pay these crooks that are illegal lenders charging more interest then they are allowed to, and the bank would sent the payments back I wanted to pay. Wells Fargo has me way overdrawn on my old account, and a lot of overdraft fees on account of it. I put a hard block on my account, and changed bank accounts. I 'm so far behind on my bills because of this, it 's going to take me awhile to be able to pay these bills. I 've been working real hard to restore my credit, and these companies, XXXX XXXX, XXXX, XXXX, XXXX and the help from Wells Fargo my credit is going back into the toilet. I want the money back the bank and companies have ripped me off for. I 'm paying XXXX to pay these companies I owe for over a month, but they continue to take from my bank account with Wells Fargo to, and Wells Fargo is giving them the money, even though I explained everything to the bank. PLEAS HELP ME, I 'M DROWNING IN DRBT.
The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.
PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.
Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation.
Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. Equifax, however, will not even respond. I called Equifax and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting EquifaxXXXX XXXX and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
I was never provided any documentation regarding such creditor. I have been given various collection amounts but no paperwork to prove it. Also, I get around 2-3 calls per day from the debt collector threating me to such an extend that they 're telling me that it will never be removed from my credit report.
HELLO this is the second time i contact cfpb about a collection company attempting to collect on this account that i do not owe for XXXX XXXX XXXX XXXX this company like the one before reported me without notice and without allowing me my right under fair credit never heard of them and now they are reporting me this is a continued harassment by XXXX and its collection companys I AM THEREFORE SUBMITTING THE DISPUTE LETTER THRU CFPB SINCE I NEVER HEARD OF THIS COMPANY
Have received 28 calls from callers identifying as American Express from XX/XX/XXXX-XX/XX/XXXX. The 28 calls are from 12 different numbers with CIDs " American Express '' and AMERICANEXPRES '' as well as " Private Caller '' and " Out of area ''. 

Only one of theses calls actually left a recorded message ; CID " TOLL FREE CALL '' XXXX on XX/XX/2018 at XXXX ; " This is American Express ..., this is not a telemarketing, ... talk to you about an important matter, call back on XXXX, M-F XXXX, Sat XXXX, Sun XXXX ''. Never any mention of who was being called or what the important matter was. 

I am not an American Express cardholder so I called the official website Customer Service number at XXXX on seven ( 7 ) different times ; XX/XX/2018 ( talked to XXXX in XXXX ),  XX/XX/2018 ( talked to XXXX and XXXX in XXXX XXXX ), XX/XX/2018 ( talked to XXXX in XXXX and XXXX in XXXX on the " Credit Team '' ), XX/XX/2018 again ( talked to XXXX and XXXX in XXXX ), XX/XX/2018 ( talked to XXXX in XXXX FL ), XX/XX/2018 ( talked to XXXX in XXXX ), and XX/XX/2018 ( talked to XXXX and XXXX in Security/ID Fraud in XXXX ). 
Each time the Customer Service Rep assured me that ( 1 ) I was not an American Express cardholder ( no active card ), ( 2 ) no one was attempting to open a card in my name, and ( 3 ) there were no late or delinquent payments notices. 

I requested that since I was not an American Express cardholder they should remove my number from any lists in American Express, marketing or otherwise. That request has not been granted. 

We are all warned ( even from the Federal Government ) not to answer calls if we do not know who they are from and/or not to give out personal information to strangers calling ( possible scammers or crooks ). We are instructed to call the number on the back of the card. However, if we don't have a card then the only legitimate number is one listed for Customer Service on the company website. That is what I did but have not received a satisfactory resolution to my complaint from American Express. 

More details included with attachment to this complaint.
I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying,  please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses.
There are several items appearing for medical which are inaccurate and false information. I have tried several times to request validation and nothing has been sent. How is Equifax able to keep these on my credit file? I need help XXXX Accounts # XXXX XXXX XXXX # XXXX