WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX , a dispute letter to the   XXXX   credit reporting agency was sent to validate the accuracy of a bankruptcy and    XXXX    ju dgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court . When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /   2017  and  XXXX  received the dispute on  XXXX  2017. On    XXXX  2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you.
I want XXXX XXXX to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you
We have been with Bank of America for about 7 yrs. We have had some financial problems, but we have made it work. Recently we were up for a loan modification and we had no idea we were. I had sent in a payment for {$1500.00} to make up a payment and a little extra, and then called to let them know it was on the way. XXXX, they tell me that the money I just sent can not be used at a first trial payment, but they expect me to come up with another payment in a week? So for the first to payments I have to overnight them to make sure they get there before the month has ended. Both were delivered before the month ended, but where not posted until the following month. Then I ended up having surgery and the next payment got returned from my bank, by the time I knew this is was to late. a few weeks later, We received a letter and paperwork in the mail we signed everything and sent it back. It had said, you were APPROVED for the modification. So I was set up to do with that, then another week went by and I got a letter saying that we were DENIED the modification. So to my confusion I called them and the person on the phone was just as confused. Then finally they say, sorry you were denied, try again. So we go thru the whole process again. Every few days I call in and they say they need clarification on a part of my husband paycheck, so I answer the question. I end up answering the question XXXX more times! Then I keep calling to find out an answer, I can never get to my account specialist, so I have to talk to random people each time. Then I get a letter saying we are sorry you do not qualify for any help and you are in foreclosure. I call and try to talk to my account specialist who I still ca n't get a hold of. The person I do talk to says they can try to help, I ask why did n't my account specialist call and let me know what the decision was. She said they said out info to the costumers and they do n't always know. But every letter or any information I get from them is electronically signed by him. That does n't make sense for his to have " signed '' it and not know about it. So a few days later I finally get a hold of my account specialist and he says that he did n't know the letter went out and there is nothing they can do. He asks me, is there anything he can help me with? Well not really since you just told me you ca n't. I just want to know about all the run around and why they can do this. Now I have no access to my account and I can not make any payments ... I am stuck
XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX XXXX. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) EXPERIAN RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX , XXXX and EXPERIAN as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) XXXX ( 3 ) EXPERIAN that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
I have my loans with XXXX. There have been multiple times that my payment has been removed from my account but not showing as paid on my account for a few days. Other times I have had direct deposit turned on and the payment never went through, pushing my payment info being overdue and one time even applying for forbearance for me ( I had the money in my account and direct deposit turned on ). The times the payment never went through, they show an overdue warning and suggest direct deposit. I have reached out to them by email and have not received any responses. 

Their site is confusing and payments never seem to go through on time. I have very little confidence that my loans are being handled properly. I feel trapped and worry that my account will become delinquent without my knowledge, even though I am able to make my payments and have direct deposit turned on.
XXXX is reporting to the credit bureaus a debt in which I do n't own. I have no idea where it came from the debt is simply not XXXX
My husband and I have become victims of fraud ( withdraws from our checking account not authorized by us ) and are looking to find out how we can get our money back. We were looking through our business account few months ago, and discovered fraudulent charges on our account using my husband 's debit card for purchases on XXXX. At first, the charges started out small at {$9.00} every couple days. Then they started charging in {$99.00} increments several times on the same day. One day there were XXXX charges for over {$450.00} and XXXX XXXX dollars within just a XXXX of days. We started adding each fraudulent transaction ( which began in XX/XX/2014 ) on every month 's bank statement and the total was shocking to say the least. It was over {$8100.00}. We called the bank and they refused to do anything saying we should have checked our statements more often. They said XXXX limits liability to XXXX days since the fraud began. We called XXXX and they advised us to call the bank and demand the return of our money since they were the ones who authorized the transactions in the first place. The bank says to call XXXX because they 're the ones who had the card registered in out XXXX account. Basically, after spending hours on the phone with both entities, we were getting the runaround and got no where. We realize time is of the essence here so we need your help asap! We googled XXXX debit card fraud online, and the number of people this has happened to was astonishing!
My wife went to the hospital to have XXXX. Although her insurance is in my name, the financial responsible person is her. I 've explained this numerous times to them. In doing a little research, this company is notorious for their terrible collection practices. They lied to me to get a judgment on me by telling me they were helping me. There are XXXX accounts showing up on my credit report and all of them are very small except XXXX and all are my wife 's not mine.
American Express has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with XXXX to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want American Express deleted off of my credit report and XXXX has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted XXXX is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.
My Mortgage Loan was taken over by Nationstar Mortgage XX/XX/XXXX and I received a welcome letter from them. They have been accepting my payments since then. I am in process of changing my property from personal property to real property and need the Lein Holder to sign form XXXX Affidavit for removal of manufactured home from vehicle registration files. I spoke with customer service XX/XX/XXXX to get fax number and was told once faxed would take about 48 hours. I faxed form that I had notarized to Nationstar on XX/XX/XXXX. Called XX/XX/XXXX to see if was received and was advised to call back next day. I have called several times since then, asked for Supervisor which I worked with XXXX XXXX who talked with Research Department only to tell me they ca n't sign from due to XXXX has n't signed a released on my Mortgage yet. They then got XXXX on phone who stated files were turned over to Nationstar. I 've asked several times why Nationstar is taking my payments if they are not the lein holders and why I was sent a welcome letter, but keep getting told they will call back when they get an answer from upper management. It 's not XX/XX/XXXX and neither Nationstar nor XXXX has returned my call. When I call in and ask for the supervisor 's that I spoke with in pass. XXXX and another named XXXX I keep getting told they are on a call and XXXX will call me when she finishes call ... still no call back. Nationstar is located in XXXX, I live in XXXX ... I pay my payments on time every month. Please help me resolve this.
The credit report agency is reporting inaccurate information on my credit report all XXXX bureaus.. ( ..trans union, XXXX, XXXX ) passed the statue of limitations in the state of california ... .some of the items being report are 14years old why????? statue of limitations is 7 years .... theses items has been laying dormant on my reports for 14 years really..please remove immedately and send me an updated copy reflecting the changes ... thanks in advance
NATIONAL CREDIT SYSTEMS says opened XX/XX/2016 balance reported {$3700.00}. Submitted executed contract that clearly states the account is to be deleted by property management company and that the balance reported was never correct and they refused to delete. XXXX and XXXX   deleted the account after receiving the executed contract and investigating, XXXX chose not to. In addition, XXXX will not allow a dispute though it has been over 2 years since the last dispute date and claim they will not allow me to dispute the fraudulent information again in the future.
Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX. 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 XXXX XXXX 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 XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Equifax has maliciously misrepresenting the above account as a personal loan when it is a credit card that I closed XX/XX/XXXX. I spoke with XXXX XXXX and they said they always report this card as a credit card, not a personal loan. The account was with The XXXX/XXXX. There has not been a balance on this account since XX/XX/XXXX!!! 
When I tried to dispute this on the Equifax site on line, I was not able to do so because the verification questions they asked apparently I kept getting wrong after they verified my credit file. Why can Equifax put fraudulent information on consumer 's accounts that is negative to their credit without anyone monitoring what they do? 
I also check XXXX and they are also reporting fraudulent information regarding this account. I paid it off XX/XX/XXXX, they state there was a balance of {$3500.00} from XX/XX/XXXX to XX/XX/XXXX. 
Experian reports it as an account is good standing - XXXX balance like it is still open? 
The main issue is Equifax and how they purposely misrepresent the truth without any consequence. I just do n't understand why this allowed to happen. They have a stronghold on consumer 's credit and use their " power '' to change credit scores, without any consequence. 
XXXX XXXX is providing me with a letter to back up that this was a credit card not a personal loan and that it has always been reported to the credit bureaus as a credit card. In fact, XXXX does show it as a credit card but Equifax decided today to show it as a personal loan. I checked the internet and I am not the first consumer who has had this issue with them.
I have been trying to get a modification from the company who holds my mortagage note, DITECH. This is my second request for action with your organization. My loan # XXXX. DITECH responded by sending me a request for documents such as my XXXX tax documents & Social Security/Pension income statement and 2 months proof of deposits. I responded by sending them the requested documents which consisted of a copy of my XXXX tax forms again on XXXX XXXX, XXXX. I also sent them a letter indicated that I do not get Social Security/Pension income and that I have been working fulltime for the last 20 years. They provided a point of contact which is never available. I would like to resolve this case ASAP so that I can get back on track with paying my mortgage. Please help me resolve this issue? thanks.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Navient XX/XX/XXXX compliant is I have previous set up a payment plan with Navient. From XX/XX/XXXX. to XX/XX/XXXX this will end. I have paid on time every month. But they are still continuously calling me daily and even on weekends. They sent me an XXXX letter stating I am default and I need to take action soon. I decided to call them and spoke with a representative, she said the representative who set up my payment plan should have never done that. I was never notified about that issue. All I know is that my payment was being deducted from my account every month. Today I spoke with another representative she set a plan that is suffice. ( Forbearance Plan ). 
I was inconvenience for something that wasn't my fought.
while looking for employment I was approached via email XXXX for a XXXX XXXX Position. HR contacted me and passed this initial interview. I was then passed on to the HR trainer where 4 weeks of training would be conducted on line. XXXX 2 weeks I was learning policies, acronyms, processes, etc. and passing weekly tests. The XXXX week i was asked to purchased some equipment ( valued at {$7400.00} XXXX and send out of country to a new office being opened. Being careful throughout this whole process about identity theft, I provided no personal info, in fact the hiring company said a few times that no personal info was required untill I passed the 4 weeks of training and met the hiring manager for the final interview. So for the XXXX project I was issued XXXX that had an account # and routing # XXXX CHASE BANK XXXX with funds that were put into my name that were to be used to purchase the equipment. I was asked to use my personal CC at this time till I became full time employed. I transfered the funds from the account info provided into my personal CC and waited till the funds posted. Once posted a few days later I proceeded to purchase the requested equipment and ship out of country to the designated address. I was requested to use USPS priority international delivery. I was then asked to perform the exact same task a second time which is when I suspected something was n't right and asked a few more questions. At this time the response from XXXX XXXX was not acceptable and knew at this time something was wrong. I sent a final email declining the XXXX project / /purchase and also declined any employement with the company., I then proceeded to stop the shipment that was done earlier that morning with the USPS and was told that I was not able to stop it being it is an international shipment. I then contacted my credit card company " CHASE '' and explained the situation and was told the funds are OK and no issues. I have been checking my account daily to ensure no issues and on XXXX/XXXX/15, the posted amount of {$8000.00} was reversed from my credit card account. I do not understand how CHASE bank that the funds were transfered from did not know the account I was using to transfer funds does not have a check / balance process in place to review and detect scams like this. A phone call or text or something to the actual owner of the account. Besides the names being different on the accounts. Todays day and age with technology, banks should be able to detect scams like this.
XXXX has been non-compliant with removing the unverified account USAA FEDERAL SAVINGS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA FEDERAL SAVINGS 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.
on XX/XX/XXXX, Ally called my mom looking for me -- said they were trying to contact me -- -I had already contacted them on XX/XX/XXXX, Ally called my girlfriend, XXXX , looking for me -- -said they were looking for me but could not tell her why -- -I called them back and spoke with XXXX -- -I asked why they called XXXX -- XXXXshe said , well, it should not come to that, now should it on XX/XX/XXXX, Ally called XXXX again and left a message -- XXXX called them back, curious as to what was going on -- -they told her I was several payments behind and my vehicle was up for repossession and I was not calling them back -- -not true on XX/XX/XXXX, they called my dad, XXXX, and told him they were looking for me but could not tell him why as he was not on my 'ok to give information to ' list why did they tell XXXX what they did when no one but me is on the 'ok to give information to ' list?
Portfolio Recovery Services states that they purchased accounts that I owe. However, I was never notified of the accounts nor did I receive notice of my right to dispute the accounts with Portfolio Recovery Services. 

Additionally, I have mailed numerous letters requesting validation of the debt, with no response. Yet, the continue to update the information with the credit bureaus when I dispute the tradeline on my credit reports.
Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.
I have recently been declined for a loan modification, and am having a very difficult time with Ocwen. After my decline for a modification Ocwen offered me a forbearance plan. {$9500.00} due XXXX XXXX and {$2600.00} due by XXXX XXXX. After everything I 've been through how can I pay that? And when Ocwen has just reviewed all of my paperwork how can they even offer that? It 's crazy. In XX/XX/XXXX my wife lost her job and we had to use all of our saving to make the payments. We did this all through XX/XX/XXXX. We fell behind in XX/XX/XXXX and applied for a modification. We received the modification and started to make payments again. Unfortunately XX/XX/XXXX w fell behind again due to the fact my wife 's mother became ill and passed away. We continued to make payments well into XX/XX/XXXX. In XXXX XXXX we made a payment and it was returned. We had a fraud on our bank account that caused this, and took over a week to correct. Now Ocwen will not accept payment and is forcing us into a foreclosure.