WillisBack/dataset-financial-user-claim huggingface dataset:
EXPERIAN I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to remove the unverified accounts listed here : ( XXXX XXXX XXXX  XXXX - {$XXXX} and XXXX XXXX XXXX XXXX - {$XXXX} ), that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of each of their re-investigations, they stated that they verified that these items are being reported correctly. 

Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? I have asked them to provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

This means that their company must be willing and able to produce a document in their files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that they are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

They have ignored my requests to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law
In early XXXX i opened an account with Chase Bank using their {$200.00} coupon. The terms state that if you open an account and set up direct deposit, youll receive a {$200.00} bonus within 10 days of that direct deposit. 10 days from my direct deposit was last Friday, XXXX XXXX. When i still hadnt received the bonus on Tuesday, i went into the branch on XXXX XXXX and spoke to the branch manager XXXX. She apologized for the inconvenience and said she sees that i met the requirements and that she would manually deposit the money into my account ; that i would see the funds in my account the next day and that she would keep an eye on the account to make sure i didnt receive a double deposit. So the money was supposed to be in my account yesterday. When i didnt see the money i called the branch and asked to speak to XXXX. She told me she never said Id have the money yesterday ... which i know for a fact she said that ; my boyfriend was with me and said the same thing. She said that i would have to wait 10 days after my NEXT direct deposit ... which isnt happening until NEXT Friday. So today i called customer support ; they kept me on hold for over half an hour ... .then told me there was nothing they could do ; that i would have to wait the extra 3 weeks before receiving the bonus. I made payments expecting the {$200.00} to be in my account last week. Now i have {$1.00} to last until next Friday. The 3 people i spoke to in customer suppprt were rude and condescending. I asked them to please look at the dates of everything and credit my account for the funds that were supposed to already be in there, and they were rude and said Id just have to wait. Now Im being told my only option is to go into the branch and speak to the manager again ... .when the manager already lied to me about when the funds would hit my account.
I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out XXXX XXXX about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit
I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I checked on the website Equifax set up to determine whether or not my information was affected by the hack they recently disclosed. According to their website my information was impacted by the hack. I checked on XXXX/XXXX/2017.
Credit report shows presence of derogatory public record or collection, but am not aware of any. Also, shows a recent missed payment which I am also not aware of. I have tried calling but were not able to help me. This is found on credit reporter TransUnion. I also did notice a total amount of 14 hard inquiries which is much more than I remember. I believe car dealership checked loans with other banks without my consent. Please help, as I was not aware of any of these things. I am employed and a student. Thank you very much for the time.
I have tried for years to help EXPERIAN to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License for both the former and current address. To date, EXPERIAN refuses to comply! Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
I received a letter from The Law Offices of Robert J Colclough III originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The XXXXXXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the Leving Officer XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed.

I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXXXXXX XXXX XXXX  XXXX collected the debt. from XXXX XXXX XXXX XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The XXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of Robert J Colclough III The XXXXXXXX XXXX XXXX.
XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
I 've been repaying my private student loans regularly since graduating about 10 years ago -- first to XXXX, now to Discover. I 've been signed up for auto-debit for a much of that time. This May, my auto-debit payments stopped. I noticed this last month XXXX XXXX XXXX and called Discover. Turns out my account was placed into forbearance, which I did not request. The stated reason for the forbearance was a " headquarter account clean up. '' During the forbearance period, my balance increased ( interest accrued ) and at a higher rate ( 3.25 %, up from 2.75 %, which reflects the auto-debit discount ). The customer service rep was very nice, but could n't tell me anything more about my account was in forbearance. He promised to restore the difference between the interest rates, but could not say when ( the administrative forbearance period is undetermined ). Meantime, Discover is charging me interest on a higher balance than they should be, and at a higher rate -- all because it stopped accepting my auto-debits. Could this be a scam? Seems that administrative forbearance is a profit-maker for Discover ( higher rate of interest on a higher balance ). Would appreciate it if you could look into this.
RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. 

I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. 

After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. 

It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. 

Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly.
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
Did not receive notification of debt. I was unaware of balance being forward to me she to insurance being applied. This item is affecting my credit.
Tried to get my Equifax report for XX/XX/XXXX and was given a message that my credit report could not be delivered online. Same happened in XX/XX/XXXX. And XX/XX/XXXX ... And so on. 
I have n't sent my written request yet for XX/XX/XXXX, but will do so. However my XX/XX/XXXX request took a _long_ time and they still did n't acknowledge my disputes. Equifax also require copies of sensitive personal documents to be sent through the mail before seeing the credit report, thus exposing users to extra risk. 

Equifax are actively trying to game the system by making it as difficult as possible to get credit reports which I have a right to see and dispute.
I have tried calling the collection agency trying to get some things on my credit fixed and twice a rep. by the name of XXXX answered and was extremely unprofessional, rude, combative and bad tempered. I tried asking her some questions but she wouldn't let me speak and she would just respond with she doesn't have to let me speak, so I asked for a supervisor and she refused she said there isn't a supervisor and hung up on me. I have repeatedly tried to get more information on these bills and I get absolutely no where. Butte County Credit Bureau is a HORRIBLE company, treating people so poorly and disrespectfully is not OK in anyway shape or form.
Collection company is reporting that money is owed to XXXX. 
We do not owe money to XXXX, yet the collection company continues to report and pursue our family.
XXXX Equifax keeps adding information that is not mine or previously deleted to my credit reports.
I had an account, in collections, that was paid in full, but it is still showing as open on my Equifax report. I contacted the collection agency to verify and they told me it was a reporting matter on Equifax. I contacted Equifax to resolve the matter but I have not heard back from them as of yet.
Due to Equifax 's lack of adequate security, my personal information was made available for misuse. I have had to freeze my credit to protect against this misuse, but my personal information can not be taken back.
I have no business with this company and have no outstanding debts that aren't being paid. I check my credit report regularly and have no negative information. My parents may owe someone something and I have been tracked down as a relative, that's my only thought. If true, they need to deal with them. The company is well known for being rude and making threats.
Grimm collections unlawfully trying to collect more then the original contract. it 's against law to inflate the debt.
I contacted company and requested a debt validation. Was immediately met with anger and disrespect. Mrs. XXXX abruptly ended call. 
Three weeks later she contacts my son concerning this same debt. 
Failed to provide requested information in full. Wrote company again but no response.
I recently requested a copy of my Experian credit report and found hard inquires that were placed on my report without my consent. I made contact with both the creditors and Experian to have these inquires removed and was unsuccessful
In order to try to save on interest, I have been making mortgage payments well in advance of the monthly due date, sometimes more than XXXX weeks in advance, with the assumption that it would be credited upon receipt to my account/ principle owed. With each payment I have also included an additional amount of $ 20- {$50.00} above the regular monthly payment amount. Upon receipt of each payment, my mortgage company, Nationstar Mortgage, has only credited my account and applied to principle the additional $ 20- {$50.00} on the receipt date. They waited however, until the payment due date to credit the rest of the payment -- which comprises the actual payment due -- for each and every month. Correct me if I am wrong, but I believe this practice is illegal. According to the law, mortgage payments are to be credited to the account UPON RECEIPT.
I had a Shared Appreciation Modification Agreement with Ocwen. When I refinanced my house this year, conditions of the modification required that Ocwen would receive a percentage of the equity in the home. This calculation was based on the appraised value of the home, minus XXXX. I submitted documentation for XXXX and Ocwen added additional proof requirements not stated in the modification agreement, requiring they speak with the issuer of all receipts ( with places like XXXX this is nearly impossible ) and would not accept official receipts. I then actually met these additional and unreasonable requirements. Ocwen 's calculations reflected discrepancies in amounts, and denied receipts without explanation. Ocwen prevented me from speaking to the team that was reviewing expenses and doing the calculations. I received a payoff that was roughly {$1000.00} more than I should have paid. They denied several XXXX expenses, first claiming that I had n't verified purchase. This was false as I had to provide contact information for my receipts and verified with the entities in question that they had in fact verified my receipts. I had my attorney write a letter requesting answers to several errors in their calculations. Their response was only a letter stating they had already provided me this information, which they did not. I began my refinance in approximately XXXX and it was not complete until XXXX. The attorney letter and response took several more weeks. This is fraud. I need assistance forcing Ocwen to meet their contractual obligation under the shared appreciation modification to honor the documented expenses I provided, therefore lowering the money that was legitimately due to Ocwen by over {$1000.00}. They have been uncooperative and unresponsive. I have attached a spreadsheet itemizing the receipts I submitted for approval. I have noted where there were discrepancies and denial of expenses. I have summarized Ocwen 's calculations at the bottom, providing what I believe to be accurate calculation directly next to Ocwen 's errors. In addition, I have dozens of emails exchanged with Ocwen should they be required to resolve this issue. My belief is they violated the terms of the modification agreement ( I have attached a copy ) and committed fraud by denying me access to appropriate channels for resolution, consistently connecting me to staff that can not clearly speak XXXX which further prohibits resolution, deliberately adding additional requirements for documentation of expense in an effort to avoid crediting me for those expenses, unreasonable requirements for proof of payment that were not expressed in the modification, and unwillingness to provide clarifying information when my attorney inquired as to all of these issues.
Navient has only ever given me one option of forbearance for my student loan. Since they have had the loan for almost 2 years my balance has skyrocketed. I recently contacted them again & was once again told that forbearance was the only option. I do n't make enough to pay the monthly payment which went from {$10.00} per month to over {$100.00} per month, when Navient took over the loan. I need other options which are not being offered to me. 
XXXX XXXX College which has been out of business since XX/XX/XXXX.
XXXX XXXX is reporting false information on my credit report and I filed a dispute with Transunion and they claim it was verified. This is totally untrue I contacted customer service for transunion and they told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. 

They are also stating the date they supposedley bought the alleged debt as the date the account was created. But according to their own records it was bought from another creditor, so the date they aquired it can not be the date the account started. I filed a dispute with XXXX as well and in that report they said the original date of deliquency is XX/XX/2010. I have attatched my credit report with XXXX after their investigation. And if both accounts came back as verified with different information, how can they possibly BOTH be accurate? 

XXXX XXXX is not my creditor.Equivalently, to be excluded as a debt collector, the debt would have to not have been in default when acquired. FDCPA 803 ( 6 ) ( F ) ( iii ). 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). 

Not being a creditor, I have no credit account with XXXX. I do not receive monthly billing statements with due dates upon which to report a delinquency in payment.This reporting my account as " Past Due '' " over 120 days late '' and showing a Monthly Delinquency after the date XXXX purchased the debt from is clearly improper. 

If I do have a contract with XXXX XXXX, please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. And also please provide the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX XXXX which defines what " verification '' actually is. 


The term " verification '' is defined in XXXX XXXX XXXX XXXX Edition : " Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' The term " verify '' is defined in XXXX XXXX XXXX XXXX Edition : " To confirm or substantiate by oath or affidavit.
XXXX  has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SPRINGLEAF was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I recently received a debt collection notice from this company. I work long hours and I am requesting no phone calls and to be communicated with in writing only.
TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX  and XXXX but not XXXX. XXXX  report has negative report.