WillisBack/dataset-financial-user-claim huggingface dataset:
I recently submitted an online dispute in regards to two collection accounts being reported incorrectly and in violation of the FCRA. 

Account 1 : XXXX XXXX XXXX account number XXXX visible on both XXXX and Transunion reports. 

Account 2 : XXXX XXXX XXXX account number XXXX visible on both XXXX and Transunion reports. 

I submitted documentation for account XXXX showing : XXXX XXXX XXXX had been reporting false information ( balance, status of account ), discrepancies in data across the different credit reporting bureaus ( date account opened, date of account first major delinquency ), showed where the account was CLOSED in XXXX, and finally documentation that I worked with the original creditor and they updated my profile and deleted the account from the credit reporting bureaus. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. Transunion and XXXX reports showing XXXX XXXX XXXX reported a balance of {$1500.00}, yet the original creditor ( XXXX XXXX XXXX ) reported my highest balance ever as {$1400.00}. 

2. XXXX reports : XXXX XXXX XXXX was reporting an opened date of XXXX/XXXX/XXXX and the Date of Major Delinquency First Reported as XXXX, XXXX XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date of Major Delinquency First as XXXX. While on my Transunion reports, XXXX XXXX XXXX was reporting an open date of XXXX/XXXX/XXXX. Yet, XXXX XXXX XXXX has an open date of XXXX/XXXX/XXXX. The opening date varies from the original creditor as well as on my different reports. This information was verified though. There can not be multiple dates that an account was opened. 

3. Transunion reports showing this account had been closed in XXXX. My Transunion report specifically showed DATE CLOSED : XXXX/XXXX/XXXX. The account still shows under closed accounts on my XXXX report. 

4. Transunion reports : showed the original creditor ( XXXX XXXX XXXX ) had reported a PAY STATUS as ACCOUNT PAID IN FULL ; WAS A CHARGE OFF. 

5. Transunion and XXXX reports showing original creditor ( XXXX XXXX XXXX ) had deleted the account from the bureaus effective XXXX XXXX. 

I submitted documentation showing that account XXXX has been reporting incorrectly. The documentation shows XXXX XXXX XXXX is reporting false information ( balance, date account opened, date of major delinquency first reported ). 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. Transunion and XXXX reports : showing XXXX XXXX XXXX reported a balance of {$630.00}, yet the highest balance ever on the account was {$630.00}. 

2. Transunion and XXXX reports : The original Creditor XXXXXXXX XXXX reports the charge off amount as {$300.00}. 

3. XXXX Report : XXXX XXXX XXXX reports the account was opened on XXXX/XXXX/XXXX and they report the Date of Major Delinquency First Reported : XXXX. The original creditor XXXXXXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date Major Delinquency First Reported : XXXX. XXXX XXXX is reporting an open date of XXXX/XXXX/XXXX on Transunion.
I purchased 1 item with XXXX, when i received notification from USPS that the item was ready for pickup I went to pick it up. At USPS the worker advised me it was 2 items. I advised him that i only only ordered/wanted 1 of the items not 2. I noticed that it was 2 of the same items because the box was the same weight, size and shape. He also noticed it as well. He advised me that I could refuse 1 of the 2 shipments, which I did. On the electronic signature he wrote " REFUSED ''. For the 2nd item I signed for it because I received it. A few days later I returned the other item that I actually ordered. Few days past and i notified XXXX, which they told me to contact the seller XXXX and XXXX bank. I contacted XXXX, XXXX and XXXX. XXXX and XXXX ( seller on XXXX ) where not responding with the return so after a few calls, emails and letters to both ( XXXX and XXXX ) I contacted XXXX opened up a dispute and mailed them all documents with proof of the return, emails to XXXX and XXXX of them being non-responsivness. I waited around 2 1/2 months for XXXX to send me a letter saying that they have removed the credit on my account for the charged and placed the charge back on my account. The cover letter from XXXX advises me of a different customers dispute, not mine. I called XXXX and they advised me that they had to side with the merchant because of what the merchant submitted. I advised XXXX that the merchant didn't provide proof that I signed for the goods, but i provided that i shipped it back to them. XXXX told me that they did receive everything from me, but they couldn't help me. I contacted XXXX via chat and they said they will look into this again for me especially with what i told them and with what she could see on her end.
I sent a letter to XXXX XXXX on Tuesday, XX/XX/XXXX asking to verify a debt for XXXXUSD that is being reported on my XXXX credit report. 
They did not respond to me within the allotted thirty days. However, it appears that the debt was then sold to a third party collection agency- XXXX XXXX XXXX XXXX XXXX . 
Now, XXXX XXXX XXXX is reporting I owe XXXXUSD as well as XXXX  reporting that I owe XXXXUSD for the same account. 
I contacted XXXX on Friday, XX/XX/XXXX and tried find a resolution to this problem and no one notified me that I could make a formal dispute. They told me to contact the CFPB if I was having problems. 
I contacted the CFPB afterwards and was only told by them that I had a right to make a formal dispute through XXXX.
XXXX  remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX has removed the item but TransUnion and XXXX has not. I've sent them I certified letters and they still have not removed the item.
In XXXX my ex-husband and I purchased our home. When we divorced in XXXX, as per our divorce agreement, I was responsible for the home and mortgage. I worked with the lender at that time, XXXX XXXX XXXX, and completed an Assumption of the Loan XXXX it was an FHA loan ). In XXXX of this year, XXXX, the loan was transferred/bought out by Nationstar Mortgage. Initially there were no issues, I received documentation only addressed to me with my current last name ( I remarried and legally changed my name in XXXX ). Suddenly, in XXXX, I am now receiving a mortgage statement in my old name and with my ex-husband 's name. The loan is also now showing up on my ex-husband 's credit report as a joint account, mine also. My ex-husband was able to contact Nationstar and get information on the mortgage account. When I contacted Nationstar they said the only way to remove my ex-husband would be to refinance. I explained the loan was only in my name and had XXXX XXXX XXXX re-fax the documents from XXXX when I assumed the loan in my name only, I also faxed them my current marriage certificate. Nationstar initially said they had never had my current name on file only my prior name even though I have documentation in my current name from them. They are currently telling me that I qualify to assume the loan or to refinance to have my ex-husband 's name removed. They are not recognizing the Assumption I completed in XXXX and will not change their records. Customer service told me there was nothing they could do to help me.
Recently checking my credit report XXXX on XX/XX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from Navient to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.
I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.
I was in the market for another credit card because although I signed up for automatic payments with my XXXX XXXX XXXX, it did n't go into effect until the next billing cycle. Because of this I missed a payment and lost my 0 % APR for nine months and started getting charged interest. I talked to a banker and he said that I should try to find another card with 0 % interest to transfer the balance to. I found the capital one spark business card and was interested because it had a 0 % balance transfer fee. I was confused if the 0 % APR for 9 months applied to balance transfers so before applying for the card I chatted online with a representative. I asked them " does the 0 % APR apply to balance transfers? '' and they said yes. So I applied for the credit card. When the card came in the mail I made sure to download the app on my phone and I set up alerts so that I would make sure to not miss another payment. A few days after I finished the balance transfer I got an interest charge in late XXXX. I called them and asked what the issue was and they said that I missed a payment. I explained that the first alert I received said my payment was due on XXXX XXXX and that I never got a notice that told me to pay anything before that. The representative was very understanding and they waived the fee, during the same phone call I asked them, " is the reason why I got an interest charge because the 0 % APR does not apply to the balance transfer? '' And they said " no the 0 % APR does apply to the balance transfer. '' So I said " great so all I have to do is pay my minimum payment every month and I wo n't get any future interest charges for nine months ''? And the representative said " yes. '' So XXXX XXXX came along and my automatic payment went through but then on XXXX XXXX I got an interest charge for {$120.00} so I called them to ask about it. The representative told me that the 0 % APR does not apply to the balance transfer and that I have to pay a much larger amount on top of the minimum payment to avoid interest on future statements. I told him that this was completely opposite of what two representatives had told me prior, he said that a representative would listen to my past phone calls and read my chat messages and they would get back to me in 10 business days. So 10 business days rolled by and I did n't hear anything from them so I gave them a call. I explained again my situation and they said that after reviewing the case they had no record that I ever called them or chatted with anyone even though they claim to record all of their phone calls. I told him that I felt swindled and that I was going to pay off both of my credit cards I had with them immediately and cancel them as soon as possible because I did not want to work with them any longer. I 've been using credit cards for 10 years and this is the first time that I 've had any issues with a company. I would not recommend capital one to anyone I care about.
On XX/XX/2018, it was brought to my attention that someone had committed a fraudulent act on my identity. I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, where I have been informed that I have a {$520.00} delinquent debt. I called and inquired with this collection agency the reason for the debt. They told me that the delinquent account had originated from XXXX XXXX for a bed mattress that been purchased from XXXX XXXX, a company out of XXXX, Maryland. 

I explained to the collection agency, that I had never heard or purchased anything from this company. Additionally, I informed them that I had never received a bill advising me of the outstanding debt. I then contacted XXXX XXXX XXXX representative and they spoke with the manager concerning who opened an account with my data. They explained to me that for someone to be eligible for a leasing contract of the approval purchases any mattress ; the customer only required they provide two forms of identification. I am assuming that a person who used my identity was able to get a leasing contract approved fraudulently with XXXX company. 

I would like to file a complaint and request action to have this matter resolved. I am not responsible for the debt that was made and am willing to go to trial to show that I am not the person who opened the account.
I had a mortgage loan with XXXX and it was sold to Nationstar. I have been making my payments late due to a cut in income monthly but I have also tried to pay my payments in the month that they are due. I have already contacted Nationstar once last year about the {$73.00} late fee every month that was added to my accounts and after months of sending emails they finally got it corrected and stated that they would have to abide by my contract with XXXX that they had purchased with the late fees stated which I believe are around XXXX to XXXX dollars. I have since emailed Nationstar again several times ( 4 ) and requested that they fix the amount that is showing past due in late fees of {$580.00} and they wrote me back and stated that the late fees would not be waived and I was due for this amount. Maybe whoever looked at the case does not realize that my contract was purchased and can not be changed but they should cause it was told in the numerous emails. I am wondering how many other customer 's are they charging this outrageous late fee to their accounts when in fact they can not be charging it. 
Can you please help me get this situation corrected where I do not have to deal with the numerous emails every month and to make sure this amount is not reflecting as a past due status on my credit report. Thanks in advance
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I also keep receiving notifications from Experian that they will no longer investigate these accounts and the first notice I received was after receipt of the FIRST letter! That 's in violation of the FCRA and I 'm not an idiot.Once I notify them that their findings are wrong, they legally have to investigate! I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Experian, specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Experian : XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - You violated section 611 of the FCRA which states that you can not reinsert a previously deleted negative item without notifying me within 5 business days of said reinsertion, which you did not. I was not ever late on this account. Remove this immediately XXXX - where 's your proof that I was late? I know for a fact that I was n't and you still report it as such, so remove this right now XXXX - I asked for the proof that I was late and of course you did n't provide it and neither did the creditor, so you need to remove this. Someone seeing my name on a screen is NOT legal verification and you must have firsthand knowledge, which you do not, so take this off immediately XXXX - once again, you have this marked as 30 days late and I know that I was n't late for that month and you have n't provided anything and I know that you do n't have firsthand knowledge so remove this XXXX - I already told you that I was n't late. This needs to come off my of credit file. Where 's your proof? You do n't have any! 
XXXX - # 1 I was never late on this account # 2 you have the wrong open date of this account and # 3 you have n't provided any proof. Remove this right now
Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items are as follows : ACCOUNTS XXXX/XXXX XXXX not mine COLLECTIONS XXXX {$920.00} not mine XXXX XXXX XXXX {$1800.00} not mine
XXXX XXXX XXXX  XXXX has posted collections entries to all 3 credit bureau '' s without aquiring proof of legitimate debt. It is also made duplicate entries on my XXXX Credit report.
I have recently obtained a copy of my Innovis credit bureau report. This report shows in inquiry dated XX/XX/XXXX by XXXX XXXX XXXX XXXX. 

My Innovis credit bureau report has been frozen as allowed by the FCRA since XX/XX/XXXX. Although frozen, Innovis illegally allowed access.
I was never contacted about this debt, and I have just begun looking into my credit reports and this seems to be on it.
XXXX   XXXX  had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.
On Friday  X/XX/17    I was charged  XXXX  overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of  XXXX  transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault.     After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before.     Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge  XXXX  overdraft fees. At the VERY least, if I was overdrawn because of the  XXXX  gas transaction, that should cause  XXXX  charge and not  XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company.
I had signed up for a loan through Big Picture Loans. I kept getting mail from them saying I was pre-approved for a loan up to XXXX $ then it was {$800.00}. I had applied online and was approved for XXXX XXXX I had signed up for the call in and make a payment option. I never authorized them to EVER withdraw money from my account. They never disclosed to my wife and me that the APR was 909.9999 %. The company had told me that it was a one-year loan with a payment of XXXX $ a month. I looked more into it and they were charging me XXXX $ a month for a payment then {$350.00} a month finance charge. They were charging me {$8900.00} for a finance charge, which they NEVER DISCLOSED to me. They then are charging me a total of {$9900.00}. They told me again that this loan was only a XXXX loan. On the Documents, they say my last payment is XXXX/XXXX/XXXX which is a two-year loan. I had called them and told them they were breaking the law and told them they need to bring it down to 20 % APR and they said we will not do that. They wrote a FRAUDULENT CHECK. They wrote a check on XXXX XXXX XXXX and then processed it on XXXX XXXX and then when it got sent back they tried again on the XXXX of XXXX. I had to go to my bank and close my account because they now are writing fraud checks on my behalf.
Hunter Warfield XXXX, Fl after reviewing credit I notice debt on my account, no prior information was sent regarding acct. Believe this is fraudulent charges from landlords who take advantage of their tenants. Was told all was ok after moving out. Received Certification of rent paid but nothing regarding debt. Believe XXXX XXXX are making false claims and trying to get others to pay for the wear and tear of their property that they always refused to fix.
I went ahead and placed an order on Samsclub.com for XXXX, buying a bedroom set and mattress set. I went ahead and returned the items, however Samsclub has only credited me for the mattress set, XXXX. I have attempted to have the remainder credited and interest fees since the purchase was made on XX/XX/XXXX and here we are on XX/XX/2016 and the mattress credit was made on XX/XX/XXXX. I have been waiting and waiting with no avail. Please help.
XXXX cancelled my debt and issued me a XXXX on XXXX XXXX, 2010, just after I began a debt settlement plan. Since then, they have added interest and fees to the original amount due and are continuing to report the total amount as past due to the credit reporting bureaus, even though I was issued a XXXX and paid tax on the cancelled debt over 5 years ago.