WillisBack/dataset-financial-user-claim huggingface dataset:
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
Both Transunion and XXXX  have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on multiple occasions. I even sent a Multiple Inquiry Letter Removal. Equifax received my letter between X/XX/2017. I received an email saying my investigation was complete on X/XX/2017. I  received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response the same day after the receipt of Equifax receiving, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted. XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had a bill payer set to be paid from my suntrust checking account on XXXX/XXXX/2015 for {$940.00} to Suntrust Mortgage, {$180.00} for XXXX XXXX, {$50.00} to the XXXX XXXX XXXX. I XXXX my bill payer service on XXXX/XXXX/2015 ( 3 days in advance of these payments being sent ). Suntrust still pulled the {$940.00} from my account and then charged me {$36.00} NSF fees for the other XXXX items after there no longer funds in the account to cover them ( these were canceled in advance of the XXXX XXXX date as well ). As a result I accumulated {$570.00} in NSF fees from debits that occurred during the processing of these previously XXXX billpayers in addition to the {$940.00} that should never have been pulled from my account.
We are XXXX , XXXX property owners of unit located at building XXXX Florida, XXXX. XXXX is the borrower on loan # XXXX with Penny Mac. After 3 unsuccessful attempts at Loan Modifications, we initiated a short sale negotiation with that lender, In XX/XX/XXXX. We diligently sent to the lender all the documentation it required for its evaluation of our short sale proposal and followed the lender 's instructions on the listing of the property for sale. The lender commissioned a XXXX ( XXXX ) and it was done in XX/XX/XXXX. The property was listed for sale in the open market for {$130000.00} based on the last sale ( {$140000.00} ) done in the same building with the same apartment dimensions XX/XX/XXXX in a higher floor ( # 507 ), in XX/XX/XXXX. The highest offer received was {$140000.00}. That offer was submitted to the lender and it was rejected. That buyer counter offered at {$140000.00} and would assume payment of the past due {$33000.00} in condominium maintenance fees plus {$15000.00} in repairs that are needed in the unit. The lender responded, wanting {$270000.00}. I questioned their basis for their estimate and the lender sent back comparable on luxurious buildings that were not within the same price range and did not have the same accommodations as the subject unit. I responded with a comparable sales report of 2 units in the same building ; one was a XX/XX/XXXX ( unit # 507 ) in a higher floor, sold in XX/XX/XXXX for {$140000.00} and the other was a fully-remodeled XX/XX/XXXX ( unit # 604 ) in a higher floor, sold in XX/XX/XXXX for {$160000.00}. The lender replied with another counter offer, for {$210000.00} on XX/XX/XXXX. The unit was thereafter listed for sale for {$210000.00}. No one has asked to be shown the unit or made an offer for that price or any price since that listing. I repeatedly pointed out this to the lender, throughout the many telephone conversations we 've had since XX/XX/XXXX. I have also requested in several occasions to escalate the file for a price review and also asked for the contact information for the investor who owns this mortgage, as each request for a price review was not answered with any grounds supporting the {$210000.00} price. The lender 's representatives told me I needed to send a fax requesting the contact information and that a prompt response would be sent back to me. None was ever sent in response to my fax. Each time I telephoned to ascertain why the contact information had not been sent, I was informed it would be sent to my XXXX address the lender has on file for me. None has been received. I feel we have not been fairly treated, despite our best efforts to fulfill the short sale requirements. We have a buyer who is still interested in buying the property, the sale price is within the range of the market value, as confirmed by the comparable sales provided to the lender, and the buyer is also assuming the payment of the {$33000.00} in condominium maintenance fees and the {$15000.00} cost of the repairs needed by the unit. 

XXXX FL XXXX Telephone : XXXX
My mother 's house is being foreclosed on by a company called Seterus. The problem is that they are filing the action on an old deed of trust and naming myself in the action. I am NOT on the 2007 ( current ) loan or deed. They are going to ruin my credit by naming me and I AM NOT A PARTY TO THIS FORECLOSURE AT ALL!! They have also been harassing me with several phone calls a day but leaving no messages. They are not responding to my attempts to rectify their error. I can not have my credit ruined by these bandits. They have a right to foreclose but not on an old deed with my name on it! Please help!!
XXXX XXXX fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion.And XXXX XXXX is attempting to collect on fraudulent balance information and needs to cease and desist all collection efforts and delete this from my credit portfolio and close and return back to the original creditor
I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.
This account was paid in full and is in good standing on my credit report but it has  XXXX  duplicates of the same exact account still remains negative on my credit report showing that I owe when it 's paid in full and it 's effecting me making big biggest
I have been involved in a predatorial loan For18 years now I purchased my home from an gentleman that does not exists as well as the bogus Company he used that no longer exists however when I purchased my home in XX/XX/XXXX for XXXX with a second mortgage of XXXX to be paid to the gentleman in which I tried to contact several times after closing would not respond to me for payment he sold my home to me for XXXX XXXX XXXX XXXX with a company name of XXXX XXXX after I closed on loan a new loan was filed three months later in the XXXX XXXX XXXX public records for XXXX on my property in which there is not a property within 25 miles of my address that apraises out for that much I did not find out for serveral years later however I was in a adjustable rate and needed to get out of I.T I  refininced in XX/XX/XXXX with a lady XXXX XXXX in which she was known for fraudulent mortgage loans in which she led me to believe that in the refinicing that there was no more second out of adjustable rate so XXXX XXXX would no longer be addressed on my deed however he still is on my deed to this day he doesnt exsist and my loan has been sold over six times and none of the Companies dont hold the deed to my home but yet they try to foreclose with so much fraud before theyve gotten my loan I purchased my home for a total of XXXX in XX/XX/XXXX and today I still owe XXXX for my home Iive in and been in 18 years now I have applied for modifications numberous time was at 13 percent interest rate from XX/XX/XXXX til XX/XX/XXXX was denied in serveral ocassions as well as did not pay mortgage for over seven to nine years because I dont know whom I paying to or if I could ever own my home individually and without someone else that doesnt exsist listed on my deed I am now with Nationstar in which is Mr . Cooper I jus would like to see how I could go about getting a loan forensic to bring some of this fraud to the open
This company has called repeatedly. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
In XXXX 2015, I had water damage to my condominium from a ruptured sprinkler pipe in a neighboring unit. We began to repair our home during the spring and summer out-of-pocket before we got our insurance settlement in order to expedite our return home. In total, our repair costs were approximately {$40000.00} This loss was ultimately covered, in significant part, by my insurance settlement. I received {$33000.00} from my insurance carrier, which I remitted to my mortgage holder as loss payee as soon as it was received in XXXX, 2015. 

My mortgage company has been holding onto this money without a legal right to do so. Our mortgage agreement allows them to " hold such insurance proceeds until the lender has the opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction. '' They conducted this inspection on XXXX XXXX, 2015, and both the inspector and customer service department indicates that the work has been completed to their satisfaction. 

Nevertheless, they continue to hold onto these insurance proceeds, creating a financial hardship for me and my wife who had to repair our home without the benefit of having insurance. Meanwhile, the mortgage holder is profiting from the float. 

When I call their " loss draft department '' they come up with novel things that I have to do, including, most recently, that I have to write them a handwritten letter recapping what I sent is a series of other letters. None of this is allowed in the mortgage agreement. 

This is a classic example of consumer fraud.
I am a victim of Identity Theft, and I notified  Ford  more than once, asking for copies of any signed documents. I have not received this proof, after multiple requests.
Nelnet payments known as campus commerce or student loan servicer is holding me responsible for {$290.00} monthly payments, as of XX/XX/XXXX on a balance term total of : {$1700.00} for the Fall XXXX semester. I made a down-payment with non-refundable processing fee on XX/XX/XXXX and one payment of {$290.00} on XX/XX/XXXX. I can not afford such large repayment ( s ), and I've let both the XXXX, ( XXXX XXXX College ) Campus : Students Accounts Office and Nelnet repayment plan offices understand this. I currently am in a student loan deferment to postpone payments until XX/XX/XXXX with NELNET, making many attempts to express of my inability to make any more payments. Senior Administrators at XXXX XXXX College recognize my hard work and persistence and commitment earning a semester average grade point that meets or exceeds 3.50. The XXXX College has also accepted my Intent to Graduate Application as of XX/XX/XXXX with graduation commencement on XX/XX/XXXX, but have put holds on mailing my Diploma. until payment of {$1100.00}, is received. With a still remaining Term balance amount of {$1100.00} for the Fall XXXX Semester, I've run out of explanation of how to get repayment to their offices, knowing I can not meet their demands for payment, can you help me?
I contacted Portfolio Recovery in earlier XXXX after I became aware that they were the collection agency that own XXXX of the XXXX accounts listed on my credit file that do not belong to me. As of today I have n't received any of the requested information, although the letter was delivered XX/XX/XXXX XXXX? XXXX. 
According to the information being reported in the account which was supposedly opened in XX/XX/XXXX with a date of first delinquency of XX/XX/XXXX, unfortunately without the assistance Portfolio Recovery, I can not take any concrete steps to have the inaccurate information remove from my credit file. Not only the company ignore my request, the debt was validated with XXXX on XX/XX/XXXX reported as if it was a new delinquent account. 
I recently start new monitoring services with both XXXX and XXXX, I have received multiple alerts that I recently fall behind on payments ; however after I logged into my account, I could not find the source of the alerts without buying a new credit report, since I already get my free report for this month. This morning I received an alert from XXXX after carefully review my report I realized that the reason I was getting this alert with affected my credit score is because the disputed charges were being validated and reported as if they were not only valid but delinquencies.
Concerning case number XXXX : Today I learned from a fellow employee that a representative from MOHELA talked with my co-worker over the phone and the MOHELA representative asked my co-worker about my location. This is extremely troublesome to me. How can this sort of activity be legal? This is absolutely unethical behavior by MOHELA.
Convergent Outsourcing just reported a {$400.00} collection account on my credit report. Prior to this account appearing on my credit report, I did not received notice of my right to dispute. And this is important, because I contest the charges.
In XX/XX/2015 I hired a law firm to do a modification on my loan because I was having problems with my mortgage payments from XX/XX/XXXX to XX/XX/XXXX I did 3 trial payments XX/XX/2015 was my 1st normal mortgage payment, in XX/XX/2015 my mortgage company made a mistake applying my XX/XX/XXXX payment to the mortgage principal And they admitted to the mistake and they told me on a recorded phone conversation that they were going to fix and reverse there mistake, then around 8 months pass by and I get a call from the mortgage company telling me that I am pass due 1 month due to the monthly payment they did n't recived back in XX/XX/2015 the same payment they admitted they made a mistake on in that same call they told me that they were going to open an investigation regarding this matter they told me to wait for a call from there supervisor, I get many more calls from many persons from this mortgage company all of them telling me that I am pasado on up to 2 monthly payments when I sent them proff that I have sent all of my payments on time. I have never heard the results of there many investigations that they have performed on my situation. Since then mi credit score has dropped a lot and the late fees keep on staking up. Thanks
I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with first progress and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
Experian should have conducted investigations properly into three report items of mine.   The difficulty is that Experian 's upload of supplemental documents to support an investigation does not function at all ; ie : I am attaching 6 documents PDF in   black and white.
THEIR UPLOAD SERVICE ''   detects   color '' and will not accept them in any format, any file size, any pixel density, etc.It simply does not function day in and day out for at least the last 10 days.
My three items of dispute should have   all been deleted.   They ar e : 1  )  XXXX   XXXX   XXXX   XXXX    XXXX  ...., COLLECTING FOR  XXXX   XXXX ,  XXXX .   Some time ago I visited a  XXXX   XXXX  at  XXXX   XXXX ,  XXXX   XXXX , CA I was defrauded by  two stor e salespeople who had an intent to defrau d me.They sol d me a plan of unlimited usage at  XXXX  dollars per month which I was happy with.   When the first bill came there was a multitude of added on charges and fees which were never disclosed to me and added to whatever I had to sign after I signed.I was so angry at the obvious commission ploy/ fraud that I refused to pay the bill b ecause what I received was not anything close to what I ordered with the two salespe rsons.You must delete this item as you have not only committed fraud but damaged my credit standing as well.    2 ) US DEPT. OF EDUCATION ,1060  ... : While they  may be lite rate, they seem to have a problem with basic mathematics and I have grossly overpaid  my bill.The account s ays the original amount was  XXXX  dollars, a recent payment of  XXXX  dollars which was a tro (   XXXX   XXXX   XXXX   ) .Now they have received a   XXXX   XXXX   XXXX    of  XXXX  dollars ( attached as evidence ) and say I have a collection balance of  XXXX  dollars as of  XXXX   XXXX  .The d ate of the  XXXX  dollar payment was  XXXX  The l etter says allow several weeks for Dept. of Education to  XXXX  .They hav e received and today " verified '' the false information on my credit report.Today is  XXXX   XXXX  2017.YOU MUST ALSO DELETE THIS ACCOUNT ACCORDING TO FCRA for accuracy of furnishers.   YOU CAN DO THE MATH  XXXX  ; THE AMOUNT OF THE DEBT WAS  XXXX  ACCORDING TO THE REPORT.AFTER ALL THIS, THE DEPT. OF EDUCATION THINKS THERE IS A  XXXX  DOLLAR BALANCE.EQUIFAX DELETED upon submittal which Experian   wouldn't/could n't allow.
3 )    XXXX   XXXX   XXXX   XXXX  is a collector for  XXXX   a hospital .   I am a   XXXX   XXXX   XXXX   XXXX   with full medical benefits.While we are supposed to go to VA facility f or healthcare normally if we have an emergency we can go anywhere.I thought I was ha ving a  XXXX   XXXX  with all the symtoms o f one.An ambulan ce was called and transported me to   XXXX   XXXX   XXXX   XXXX  , THE HOSPITAL CLOSEST TO MY HOME.I TOLD THEM I HAD VA  BENEFITS.YOU MUST DEL ETE THIS ACCOUNT ACCORDING TO LAW.
I am writing to you regarding investigation results based on information provided to XXXX. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with Bank of America that it is an error within their processes and yet XXXX is unable to correct this reporting. I find this unacceptable and ask that XXXX   provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from Bank of America to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of  Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX
Trying to get in touch with Big picture loans to get my loan number, so I can change the status with my bank, and ca n't get it. it is not on any paperwork nor can I get through when i try to call. This keeps causing my account to go negitive. Also there was added verbage to my loan paperwork that I did n't see until I reviewed before submitting my claim.
I got a new b of a card XX/XX/XXXX.  I have been trying to make a payment that was additional to my automatic payment.  after 3 days on hold and several transfers, I am hold for a supervisor , I think rep  just put the call mute.   Could find the information I provided XX/XX/XXXX  for the addiction payment. 31 minutes on hold.  I can't get this issue resolved.