WillisBack/dataset-financial-user-claim huggingface dataset:
The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. 

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX
I am a Foreclosure Specialist who has a client that has a loan through DiTech and they would like to modify it. I sent a RESPA request to them on XX/XX/2017 and they have refused to send me the documents necessary to try and get them a modification. If there is anything you can do it would be appreciated.
No one seems to be able to answer questions about the payments being garnished from my paycheck! The original garnishment order lists XXXX XXXX which was the collection company for XXXX XXXX. When I call XXXX XXXX XXXXhey tell me that they no longer handle student loans and that I should contact XXXX XXXX. Contacting XXXX XXXX brings me to XXXX XXXX website with a message stating my account was moved from XXXX XXXX to XXXX XXXX. I log into XXXX XXXX and my account has a message that I should contact Navient. I contact Navient and they state that they can only assist me if I am calling to make payment in full. Otherwise I should call XXXX XXXX XXXX. Well here we are, stuck at approximately 17 hours of total holding time over a 5 day period trying to get someone on the phone at XXXX. 
I checked with my payroll department and wanted to inform them that they are sending money from my garnishment to a company who no longer handles my account. They stated that they can't change anything on the garnishment without an order ( understandably so ). XXXX   XXXX stated that they can't send anything regarding the garnishment even though they are the ones listed on the garnishment. I checked with Department of Education who transferred me to the XXXX who in turn transferred me to Navient. I just want to know that my money is going to the correct company! Also, the amount listed does not reflect a credit for the canceled amount of {$2000.00}. Any information would be appreciated! Thank you!
Experian charges me {$24.00} a month for credit services. 

I would like to cancel my service. 

They provide NO online ability to cancel. 

When I called to cancel, I had to wait on the phone for over 20 minutes and no one ever picked up. 

So, you ca n't cancel online, and they are not adequately staffed to take cancellations over the phone.
I applied on XXXX XXXX website for a personal loan. I was declined. They sent me an email telling me to login to my dashboard. So I click on email link to go to the dashboard. And this dashboard has a wrong physical address on my account. I was very concerned because I am the victim of ID theft. I called customer service and wanted an answer. The agent said I didn't know what I was doing and I told him English is my first language and I know how to read and I did know what I was doing. He asked his manager and then said " that happens, the wrong address on the account, be we don't know why, just login and update it. '' They didn't take my concern seriously at all. I had a problem applying for this loan. At first, they ask to verify your identity and ask for your last 4 digits of your social security number. And your address. But then I got a message saying they couldn't verify my information. I then entered my entire full length 9 digit social security number. Now I'm afraid someone stole my identity again. He did say my loan application was declined based off my real address, not this fake address, but how do I know this is accurate. Now I have to pull my credit reports to see if this fake address shows up.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...
In 2012, I obtained a loan from US Bank to purchase a new boat. I have made regular payments over the life of the loan, and several years ago I started making principal only payments. I received monthly statements which indicated the principal balance outstanding, which I was steadily working down to the point this summer where the loan should have been paid off. My monthly statements for the past couple of years have always reflected " interest due '' of XXXX. When I got to within a couple of thousand dollars of having the principal paid in full, the bank claimed for the first time that there were thousands of dollars owed in interest. My monthly statements never reflected this. I requested a loan reconciliation/history of payments, which also shed no light on the interest now supposedly due. The explanation I received on the phone was incomprehensible, and I was assured there were no errors. Every time I call, there is a material difference in the sum they now claim to be the payoff amount. The bank has failed to disclose material information, and I have no confidence whatsoever in the accuracy or honesty of the amount they now claim is due.
The complaint I have with the Mortgage company is Ocwen. You see I applied for a Loan Modification. I was approved, it couldn't come at a worst time. I told them I needed a month to start paying back the loan. A month earlier I was in the hospital for a month you see I had a XXXX and couldn't go back to work for a month. I told them this several times, they told no problem. You can re-apply everything will work out.So I re-apply and I got DENIED. They turned me down flat and didn't even look at my current check stubs.I don't know what else to do I did what they said.I have paperwork to prove it.
Numerous times I have contacted the XXXX XXXX XXXX and Transunion regarding an open delinquent account showing on my credit report. The balance is incorrect which states that I owe {$170.00} but the actual amount that I owed was {$33.00}. I requested proof from the company and finally received it this year although I paid the bill in XX/XX/2016 ; therefore I have a {$0.00} balance and never was it {$170.00} debt. I still see the incorrect amount listed on my credit report and as an opened account.
In XXXX, there was confirmed identity theft using my State Employees Credit Union checking account with XXXX transactions of {$97.00}, {$69.00}, {$89.00}, and {$2.00}. All were resolved by the credit union. The amount for XXXX XXXX {$2.00} was identified by the credit union fraud prevention representative as a strategy to prepare for a larger withdrawal at some point in the future. I was told that it was identified and secured so it would not happen. I completed all credit union 's recommendations at that time. On XX/XX/2016, a transaction in the amount of {$1400.00} was drafted from the Credit Union checking account to XXXX XXXX. I did not notice the transaction at the time, as I was between employers and received my final payout from prior employer along with first paycheck for new employer. My concern at the time was my wife 's health, twice XXXX XX/XX/2016 along with XXXX Emergency Department visits. I also was caring for my XXXX son and one month into my new employer. I did not discover the fraudulant activity until XX/XX/2016 while completing federal income taxes. The State Employees Credit Union has refused to return the funds due to timeframe when reported, despite their error.
There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau XXXX  and told them to remove this inquiry and they're refusing to remove this information.
I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX.
I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this.
Good afternoon : TransUnion erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Experian has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.
TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XX/XX/XXXX. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies. Case/Docket # XXXX Date Filed XX/XX/XXXX Date Reported Court XXXX XXXX, Alabama. Status : Satsified Lien Amount {$1300.00}
XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX report, I did not made this hard inquary, please help me to remove
Based upon information ( both verbal and written ) that I have received, I was told loans that originated with XXXX sold loans to Discover, due to issues with handling the loans, and poor financial management. I contacted Discover student loans and requested that they send me the following documents : - Agreement with the prior holder of the alleged debt that grants Discover the authority to collect - Agreement that bears the signature of the debtor, showing payment to the creditor - Name and address of creditor - Name of the debtor -All account numbers -Amount of debt -Date the debt became payable - Verification of assignment that a debt was sold to Discover -Complete account history of the debt I requested this information as a Request of Validation, not as verification. I have made this request verbally on the phone on XX/XX/2017 and i also sent a letter to Discover and the office of XXXX XXXX with Discover. I have yet to receive any documents and/or correspondence. When speaking to the manager, on XX/XX/2017, she indicated that I have been paying all the loans, and that is proof enough, which is incorrect. I am requesting the information because I believe that there serious issues surrounding Private Student loans and Fraud.
The Equifax investigation did not remove inaccurate information. The investigation was not resolved within 30 days. The request to this particular debt has continued for years. Equifax refused to properly investigate. After my recent dispute, I believe that I have now become a target of discrimination by Equifax. After my recent dispute, Equifax added 13 alerts to my account. Equifax falsely initiated disputes without my permission. Equifax sent ( 4 ) disputes to the Federal Government that issued several students loans that are currently in good standing. Equifax falsely, stated to the loan servicing company, that I was disputing the debt. This is negligent, and fraudulent. It is my belief that these actions were retaliation for current calls, and complaints with CFPB. Equifax submitted false disputes to XXXX XXXX, A decades old account with XXXX, XXXX XXXX, a second dispute to XXXX XXXXXXXX, and XXXX XXXX. The disputes were discovered by me on XX/XX/2018 via the Equifax web account purchased to protect my credit file. Instead, Equifax has contributed to false reporting. The XXXX account remained on my account for years despite my continued efforts for removal. The product purchased by Equifax was advertised as a free product that has continued to be made available to victims of their breach. They have affected my score more negatively than the initial fraud. It is what I call adding salt to a wound.
I 've contacted XXXX, Experian, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, Experian, XXXXXXXX & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken.

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I paid my mortgage below 78 % as of XX/XX/2019. It is my understanding that once below 78 % PMI should be removed automatically by the servicer. After my XX/XX/2019 payment still had PMI I called Guild Mortgage to ask why it had not been taken off. The representative said it is supposed to automatically be taken off, however, I need to request it be taken off in writing and it will take an additional 2 months after my request.
I have tried to get the free credit report from TransUnion but their website has indicated it will not send it to me and gives me no option for addressing or resolving their decision. Additionally the site would give it to me no problem if I pay them {$22.00}. Is n't this a violation of the requirement for these bureaus to give the report free?
I have made disputes to both   XXXX   and   XXXX    regarding information reported on my credit file that is not correct.  XX/XX/XXXX  made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XX/XX/XXXX  and after a re-investigation, I received an email that advised me to call   XXXX   for further information if I still dispute the item. When I called  XX/XX/XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.   XXXX   stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency " Convergent '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.
There is a docket from 2004 that Pressler and Pressler obtained. My income is Veterans XXXX benefits and Social Security .This matter was taken care of in 2004, with the county clerks office.Now Pressler and Pressler is threatening me for this .My situation has not changed. I will be XXXX for the rest of my life .I do not drive.Have no vehicle .I rent.And my income is all XXXXi thought this was over in 2004.The subpoena theyasked from me has allot of information.I do not trust them.
I received a call at my place of employment. They tried to scare me when they first called stating, or good, is this ( he proceeded to say my name )? I need your human resources department if you do n't have 10 minutes for me to transfer you to our legal department. I asked who he was and what legal department. He raised his voice and said I already told you who it was, DFC Legal Services. I asked who that was and who the supposed debt was too. He proceeded to talk over me and told me he hopes I was aware that our call was being recorded, and I said good. I asked again who this debt was supposedly to and he said he could n't tell me but I needed to call XXXX ext XXXX. I proceeded to tell him NEVER to call me at my place of employment again or I would be fired.
I checked my credit report and upon doing that it came up " XXXX XXXX '' when I called they had no reasoning for the charges they say they can not see the information. Upon researching it is a medical bill for a XXXX/ XXXX XXXX that I did not have.
We had a promotional 0 % interest rate on a balance for 24 months. Our last promotional payment will be paid soon. Throughout all this time, there were times that I bought other non-promotional items and we paid the amount due on these items and the XXXX payment plus more to make sure we didn't get any fees. 

Up until this monthly statement, everything worked as we expected. This month they charged us a minimum interest charge of {$2.00}. I spoke to 2 people at the CC Company ( JCPenney XXXX ). First I spoke to XXXX who couldn't waive the fee. I asked for someone who could and was transferred to XXXX. She said that even though we paid the amount due plus more, we hadn't contacted them to tell them how we wanted the payment allocated so the balance of non-promotional items was carried over ( even though it didn't show as being carried over and this had never happened before. ) She did take care of the charge and re-allocated our previous balance. 

I just want to make a formal complaint against this process, which, by the way, is not stated anywhere that I can find on the statement. I'm sure they have done this to others who probably either didn't notice or just paid it since it is a small amount. Imagine $ XXXX times how many customers. 

I intend to cancel the card and stop shopping at JCPenney, but I want to make sure that someone investigates this and makes sure it doesn't happen to anyone else or with any other card.
- My password did n't work on coinbase so I clicked 'Forgot Password ' - It send you to a page and says, " enter your email and we will send an email with recovery steps. 
- This is what I get : For security reasons, we are unable to reset your password. Please request a password reset from a browser or device you have previously used to access Coinbase. 
- I did use my device. So it sends me in a loop - So there is no way to reach them and they have XXXX of my money. This is insane! 

Here is what they say below and when you use the contact @ coinbase, you get an email that says The XXXXXXXXXXXX email address is no longer monitored. 
XXXX For more information on why this is necessary, please see our help doc. 

If you did not request your password to be reset or you are unable to reset your password from a previously used device, please contact XXXXXXXXXXXX. 


Re : Why are you not responding to me after 9 days. Please help! 

Coinbase XXXX XXXX XXXX, XXXX XXXX PDT The XXXXXXXXXXXX email address is no longer monitored. 

The Coinbase Support team will ONLY be able to respond if you submit a request via our support portal : XXXX XXXX XXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request.
I requested a signed contract between me and your company. One that I signed and one you signed in early XXXX. It is now XXXX XXXX and your company chose to ignore my consumer rights as well as violate the FDCPA and FCRA. In XXXX I SPECIFICALLY stated that copies of a copy is not legit validation. I stated that I would have liked to seen the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated HOWEVER you neglected to provide it. This is my final notice before litigation. If you ignore my last and FINAL request I will take it as a waiver of all claims.
XX/XX/XXXX - Requested tax lien be removed from my report again. Have tried previously years ago.
XX/XX/XXXX - Trans union simply replied 'Information updated '.
This is not a consumer credit transaction which was taken care of long ago with the IRS.
I checked my credit report today and discovered Hunter Wakefield Law office and entered an incorrect debt on my credit report with put giving me written info on debt vadility
I was charged XXXX for a XXXX in XXXX FICO score product which I did not order by Experian, I have a similar product through another credit reporting agency and no need for another. Experian refuses refund or cancel the product. The item will cause an overdraft fee to my checking account, please advise Experian I will need this refunded as well in the amount of XXXX