WillisBack/dataset-financial-user-claim huggingface dataset:
I recently disputed information with Experian and they once again refuse to abide by the law. Section XXXX of the FCRA specifically states that I as a consumer have the right to ask for PHYSICAL PROOF to support their verification process and they REFUSE to give me the information that I am asking for. The following items are still be listed on my credit report and they simply send me a new report stating the creditor verified the information. They are liars, frauds and are breaking the law. I am demanding that physical proof be sent to me. The law does not state that I have to contact the original creditor, The credit bureau has to provide the information that I am asking for and they WILL NOT Do it. 

Experian is reporting the following information and refuses to send me Physical Proof to show the account is 100 % compliant with the law meaning it is 100 % verifiable, 100 % complete and 100 % accurate. 
I am also wanting to report a XXXX XXXX Violation as they are not supplying me with full complete line item information. 

XXXX. XXXX XXXX XXXX. Listed with partial account number XXXX and this is a medical collection which is VIOLATING XXXX as no release was signed by me. 
XXXX. XXXX XXXX Services Listed with a partial account number of XXXX They refuse to send me physical proof. The burden of proof is not on me it is on you EXPERIAN to provide physical documentation or remove it. 
XXXX. XXXX XXXX Listed with a partial account number of XXXX they say the account meets the requirements of the FCRA. IT DOES NOT. No physical proof has been supplied to me even when I request it. They are reporting erroneous and inaccurate information against me with this one. XXXX can not provide a signed contract so how can Experian Verify it, they cant!
We had started having ACH blocking issues with our back which resulted in a return of ALL payments paid in this manor including our mortgage. Once we noticed the amount of fees we were being charged we realized there was a problem. After of 6 months of these returns and the run around from the bank it was shown that a representative had placed a block on ALL ACH payments instead of a single one that was requested. 
We had spent all that time catching up on all returned payments because the amount paid in fees left us short and we are on a fixed income. We tried working with the Mortgage company thought this entire time and set up payment arrangements starting in XX/XX/XXXX. Our payment for the first installment was sent by mail which was the only method accepted, but never made it or was not received in which we were NEVER informed of this. After attempting another refinance to start fresh we discovered that the payments were missing. This started us down the path of Loan Modification in which we were denied at the end of XXXX, we appealed and were denied and NEVER informed and our house was put in Foreclosure XX/XX/XXXX and we were NEVER informed. We found out when I called to see about the Appeal. All the while we were told to NOT PAY! 
We are now attempting to stop the foreclosure by applying for modification AGAIN but still getting the run around.
I have a few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. 

That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... 

XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX  XXXX. This is was the merchant on the fraud alert. 

I did not make any of these charges.
Midland Funding LLC claims that my husband owes them a debt despite my husband and I showing " proof '' of Identity theft. They continue to harass us daily, demanding money for this debt. We have proven to them numerous times that it is not his and they keep selling it to other agencies within their own agency. They call us 4 -5 times a day harassing us. My husband works long hours so I am the one answering the phone at home. Most of the time they ask for him but refuse to tell me who they are! A few times they have told me they are Midland Credit, attempting to collect a debt my husband owes. Now that they know I am his wife they are threatening me, saying that they are going to send police over to arrest my husband and I, they are going to have my house and cars taken away from us and that we would be sued! I explained to them that we had already proven to them that the debt was n't my husbands and to please leave us alone and stop harassing us. The " lady " that spoke to me on the phone said, they would leave us alone once when we paid what we owed. I continued to beg them to leave us alone and they continue to call back about 4 -6 times daily and sometimes they call late at night. The caller ID is also showing different numbers and there has been a few times where our own phone number comes up. 
We live in fear of police coming to our door with a debt that he does n't owe. We do n't know where else to turn to make them remove this debt and stop harassing us.
On  XXXX   XXXX , I initiated a transfer of {$1000.00} from  my Google Wallet  balance to my debit card ending in  XXXX  using website wallet.google.com. The website returned me an error stating that 'The transfer could not be completed, please try again '. However the money was still deducted from my wallet balance and never returned back to my wallet.     I looked at the transactions on my wallet account and could see a transaction with Id :  XXXX  with status as PENDING created at  XXXX   XXXX ,  2017   XXXX   XXXX .     I reached out to google wallet support via chat agent (  XXXX   )  and she advised me to wa it 24-48  hours while she escalates the issue to a  specialist. I got a response next day telling me that the money should be in the bank account. I responded telling that this is not correct as the money is not in the bank account and transaction still shows status as Pending. I received another standard response to wait 24-48 hours.      On Monday  XXXX   XXXX , I contacted google wallet support via phone. The agent worked me to troubleshoot and we even contacted my bank to check for any incoming transfer.   Bank verified that they do n't see any incoming transaction. The Google agent advised me to w ait 3  business days as he confirmed that money has been sent to Bank by Google.     On  XXXX   XXXX , I contacted google wallet again via phone since the money is still not in the bank. I spoke to a supervisor who looked at the account and mentions that while he sees deduction of {$1000.00} from my wallet balance but he do n't see any transaction. So basically now google seems to be in a denial mode for any existence of a transfer. However since the supervisor could see deduction, he mentioned that he is going to escalate the issue t o Tier-3 support an d advised me to wait again.     I am writing to CFPB to provide help in getting the money refunded back eith er to Google Wallet balance or the bank account it was being transferred to but not stuck somewhere in google IT systems on support who have no clue. This issue has taken a lot of time and mental troll due to being with Google support via email/chat/support.
I traded the car in question in on another and the new dealership did not pay the old car off in a timely fashion which made it look like I had paid the car payment and then it was completely paid off in full BY XXXX XXXX XXXX XXXX!!!!!! THIS WAS NOT AT FAULT OF MINE!!!!!!!
Wells Fargo 's online mortgage payment system would not accept my payment for several weeks. Since there are no physical locations in my state I was forced to make my payment using their automated phone system, which conveniently for them assesses a {$6.00} processing fee. 

In essence I was forced to pay a fee for the convenience of making my mortgage payment.
I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.
Shellpoint mortgage service took over my mortgage loan XXXX XXXX. They will not send me monthly mortgage statements because I filed chapter XXXX I requested verbally and by email and they are refusing to send me my mortgage statements.
I contacted this agency in regards to this claim. I was told by a representative that this account was listed in error. The information on this account is not even my social security number so therefore was a data entry error on this agency 's side. I explained that this internal error was affecting my credit score. I spoke to a supervisor and was told that they are unable to fix this issue and I must dispute this directly with the credit bureau. I feel that this is unprofessional and that it is their responsibility to fix this error since they created it.
My bank is preventimg me from adding a service. Im trying to access a savings app through my account but I'm not being allowed to.
Experian reports the following information that does not belong to me : 1- Berks XXXX , XXXX/XXXX/XXXX, {$410.00} 2- XXXX XXXX , XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- XXXX XXXX, XXXX/XXXX/XXXX, {$940.00} 4- XXXX XXXX, XXXX/XXXX/XXXX, {$550.00} 5- XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 8- XXXX, XXXX/XXXX/XXXX, {$0.00} 9- XXXX, XXXX/XXXX/XXXX, {$0.00} 10- XXXX, XXXX/XXXX/XXXX, {$0.00} ( reported 3X ) 11- State of MDXXXX, XXXX/XXXX/XXXX, {$170.00} 12- XXXX XXXX, XXXX/XXXX/XXXX, {$0.00} 13- XXXX XXXX XXXX , XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX XXXX {$2000.00} 15- XXXX, XXXX/XXXX/XXXX, 30 days past due 16- US Dept of EDXXXX, XXXX/XXXX/XXXX, {$3700.00} XXXX US Dept of EdXXXX, XXXX/XXXX/XXXX , {$360.00} 18- US Dept of EdXXXX, XXXX/XXXX/XXXX, {$4900.00} 19- XXXX, XXXX/XXXX/XXXX, {$620.00} 20- XXXX , XXXX/XXXX/XXXX , {$590.00} Please remove these items
My promotional purchase expired on XX/XX/18 after two years of purchase and my balance went more than double in just one billing cycle ( from XXXX to XXXX ). When I realised the promotional purchase expired I offered to pay off the ballance and remove the charge, but I was told that is not an option. The reason I was tols is that interest calculated back to the purchase date and can not be removed. Then I offered to pay only the remaining balance with interest, but that was also turned down. When I was trying to communicate this via email, my next billing came and I made my next payment on the due date after I received the last correspondence email. But, again I charged late fee and the reason was I did not pay by XXXX XXXX on the due date. I called customer service and tried to explain the situation and I could only get back half of the charge. I got upset on this and tried to write review on the internet and saw a lot of complain on XXXX XXXX and that is when I decided to submit this complaint. I have dealt with several credit card companies and they were somehow willing to help or make some deals, but none of that happen in XXXX XXXX. Their fees are so high and not willing to help their customers. With these much complaints from their customers I believe something has to be done to address their practices.
I deposited a check in the amt of {$19000.00} into Wells Fargo acct # XXXX on Friday, XX/XX/2018. On Monday I checked the acct & the funds were seen as available balance. I called the bank & spoke to a business acct agent & asked if the check was cleared. I was told yes. I also asked if there was any chance the sender of the check could stop payment or cancel check. I was put on hold & when she returned she said " absolutely not ''. Check is cleared for use. This entire call was recorded & the bankers verified when the conversations were heard at a later date. I then called my real estate broker & announced I was leaving their company to join another. He became very angry & as I thought would happen, tried to take revenge on me. In this case by stopping payment on a check I received for a closed deal on Friday. On Wednesday I went online to begin paying bills from the acct & noticed the entire check was stopped & removed from the acct. I immediately called the bank & spoke to several different people. I kept being told it wasn't their fault. My issue is the incorrect info that I was given by the bank agent caused me to lose the amt of the check. I depend on the bank to provide accurate information when I ask a question. They should know the guidelines & be educated as to how the business acct works with deposited checks. What if they amt was for a million dollars?? And I was told it's totally cleared & fine so don't worry? WF response was that they will do a better job in the future instructing their bankers??? How does that help me now? If I had been given accurate information, I would have taken a bank check, removed it as cash, etc. I would have had options. Being told fraudulent info caused me to lose the money & I asked for it to be redeposited into the acct by WF since it was their bogus info that caused the money loss. WF is refusing to make good on that check & the only response is they will better instruct their agents? Totally ignoring that the info they provide is incorrect & caused this issue. Again, I would like the total amt of {$19000.00} to be reimbursed by WF into the acct for their wrongdoing, misinformation & direct cause of money loss.

Thank you for working on my behalf to resolve this issue.
I did n't really know what to put this under. But the collection agency sent me the financial aid application for XXXX and I 've filled it out and took it up to the hospital however they refused to take it because it has been well over the time frame for submission. However it is the hospitals fault that the application was not submitted in time because of their initial refusal to assist me with my 1st request
I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.
On XX/XX/2018, I entered the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY in order to close a joint CD. I provided the personal banker with the identification needed. She then went to consult with the branch manager. When she returned, she declined my request. When asked why, she told me that the manager had told her that it could not be closed. When asked for a reason, she referred me to the branch manager. My fiance accompanied me to meet with the branch manager ( I had asked she be an advocate in the discussion ). When first asked, the branch manager said that I needed to speak to Miss XXXX, who is my mother and the joint holder on the account. When I asked again why I was not allowed access to my account when I pay the taxes on the interest, I was again referred to speak to my mother first. My fiance then said that it was against federal policy to not allow a joint account holder access to the account, and that she needed to provide a reason for denying the request. The branch manager again stated that I needed to speak to Miss XXXX. I asked why, she denied to explain it to me. My fiance told her she had to at least explain why I was not allowed to have access to my account at the very least, because it was in violation of policies that protect joint account holders, ones that even the bank stated they have when we called in to request what the bank 's policies were on CD accounts. The branch manager then stated that she refused to speak in front of my fiance. I stated I wanted her there, and she said she would not speak with her present because she was not an account holder. My fiance reiterated that this was a violation of an individual 's rights, but walked away so I could speak to the branch manager. Once we had complied, the branch manager offered no explanation as to why I could not access the funds in the joint CD other than I had to speak to " Miss XXXX '' who was the other holder of the CD. I continued to ask why I had to do this but received no additional information. 

On XX/XX/2018, I contacted the XXXX XXXX branch of PNC Bank to discuss the nature of joint CD accounts. A branch manager explained to me that both parties in a joint account have equal access to that account and do not need the other party to access it. They also confirmed that all accounts were FDIC insured. 

On XX/XX/2018, I went to the XXXX XXXX XXXX branch of PNC Bank in XXXX XXXX, KY in order to withdraw funds from the CD. I was notified that the account was already closed and was provided the information of the closure. The entire amount of {$59000.00} was removed, and the account fully closed by the other party on the joint CD account on XX/XX/XXXX at the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY. 

I was later informed by " Miss XXXX, '' via text message on XX/XX/XXXX, that she was given access to view our visit to the bank as recorded on bank cameras. 

Should any documentation be needed, please contact me, and I will send what I have, such as proof of the closure and my tax documents.
I have been speaking with representatives over a course of a couple of years. Most recently, I decided to call and speak with someone about getting these accounts taken care of. There was a delay because there was some accounts that they had that needed to be retracted/deleted by the original creditor. I ended up speaking with someone that gave me a total of a certain dollar amount over {$700.00} to pay in order to settle the account for deletion. She gave me this option with either removing all interest or giving me a 25 % discount, which equated to almost the same total. She said this would both resolve the account and result in deletion from my credit report. Between that conversation and the one that I had today, I called and attempted to settle for less ( understanding there might not be a deletion ) and was told they could n't accept only that. So I told them I would continue to get the rest of the total that was originally requested from me because I wanted the deletion. I finally got all of the money together and called back only to be told by someone else that paying this amount would not result in deletion, only showing account as paid. This does not make sense to me that a company is able to be so disorganized, that different reps are able to give different rules. Now I am being told that there 's no way to get rid of all interest or there can be no deletion.
I have been in the process of attempting to get a loan mod from Capital One for months. I sent in my first application XXXX/XXXX/15. Their strategy is repeated over and over by first telling me they have everything they need except for a short list of documents. I send them the requested documents right away. After some time they contact me to ask for updated documents, which I send. In one case I sent the documents just before their deadline. A few days later they notified me the application had been cancelled because they had not received the documents before the deadline. I told them I had sent them. They looked again and were able to find them but then told me because the application had been cancelled I had to apply all over again and I must do it really fast because the foreclosure sale was right around the corner. I sent the new and revised application right away. The whole routine started again, asking for more documents, loosing documents and asking for them again, each time telling me the foreclosure is about to happen if I do n't get them in fast. 
I am now at the supposed final steps again, with the foreclosure set for Monday XXXX XXXX, 2015. Yesterday ( XX/XX/XXXX ) they gave me a new list of documents to update, which I sent to them within an hour except for an updated P & L, which I sent today ( XXXX/XXXX/15 XXXXET ). A call to them informed me the sale was still on for Monday. There seems nothing I can do to appease Capital One. There is equity in my house and I think they are dead set on taking it to sale where they would probably get the house back and sell it for a profit, all while cheating me of my house. 
I was completely current on my payments but because my husband ( only him ) filed bankruptcy to stop a civil lawsuit. My house was my separate property but the bankruptcy court took the house anyway. They collected the payments for a couple of years all while not making any mortgage payments or property taxes, then gave the house back to me. I never missed a payment but yet it is now years behind in payments. I had no choice but to lose the house to foreclosure or apply for a loan mod.
I began disputing negative accounts reporting to my credit report beginning in XX/XX/XXXX.

I don't believe these negative accounts are not reporting accurately and are in violation of consumer protection laws. The accounts in question are Diversified Consultants, XXXX XXXX XXXX and XXXX XXXX XXXX.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX  and  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
In XXXX of 2018 I went to the hospital a free an accident and was seen at the emergency room. They did not file with my medical insurance they use my car insurance to file the claim and now they are saying I owe almost {$700.00} dollars in medical bills. But I have and had insurance the hospital never billed them. Now Im getting a mark on my credit for no reason I have tried to give them my insurance information but they will not take it. This is not my fault it is the fault of the file department at the hospital they had my insurance info on file they failed to use it. Even my insurance timely filing is 15 months it has only been 8 months. This could easily be removed.