WillisBack/dataset-financial-user-claim huggingface dataset:
they continue to confuse my information with my father 's information. I have sent social drivers license and proof of address ... they have my fathers ss number and his and my moms credit card info. they also have me as retired from XXXX ( instead of showing that I have a job ... also have my ex wife 's credit card info and hard inquiry from XX/XX/XXXX, and we have been divorced since XX/XX/XXXX. I have spent moths to get the credit report because I was unable to answer the questions required due to how many of the questions were erroneously based off of the incorrect statements of my fathers credit report, and I was unable to answer them .... Please help.
On XX/XX/XXXX I submitted a complaint with CBE Group on debt collection and written notification about debt since I did not receive by mail. I got the response on XX/XX/XXXX from the company from XXXX XXXX a compliance officer. She states the client will forward debt validation. From what I hope by mail, not email. because she states CBE Group sent notice of collection account on XX/XX/XXXX meaning final notice before being sent to credit bureaus. CBE Group sent to an email address which is that she supposedly confirms by " matching ''. I do not see any attachments from my complaint # XXXX in which I provided documents ... why isn't this shown for me to inspect. XX/XX/XXXX and XX/XX/XXXX the accounts was opened in the credit bureaus. Then they send to my email address on XX/XX/XXXX for notice. Which is wrong and falsification. I do ask since you sent this " notice '' how come you couldn't send a BILL THROUGH EMAIL. Explain that. So now the client is forwarding my debt validation soon from which source email or mail it is not clear. So now I am filing a complaint on false statements. Again I do not believe anything was sent to my email, if it was this company they are not in my contacts, first I wouldn't know who they were to begin with, with no bill or account number, etc. It was probably sent to junk, If it got into my inbox I still would not know who these people were unless I got a bill. So since this is in credit bureaus I apparently have no resolve, in which I offered, but you want me to discuss the matter, to what record me. You all ready have made false statements. Please note XX/XX/XXXX. XXXX email was sent : by client on XXXX XXXX. Not in XX/XX/XXXX. The documents I enclosed are when this account went into credit bureaus XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX a notice of collections was supposedly sent to email, a notice means before being sent to credit bureaus. How can this be?
I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX  COURT  XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s (  XXXX , Experian,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
The issue is cause by Loan Care Mortgage Company. They have may XXXX errors with my mortgage this year so far. # 1 On XXXX/XXXX/XXXX - I received a check for {$1000.00} from " Loan Care '' stating that my Escrow had an overage & that this amount was being return to me. I call " Loan Care '' { same day } asking that this call be recorded as well. Then I ask the CSR was this check send out an error on " Loan Care '' part or was this for real and to check to be sure this was not a mistake. The CS person said that the check was not a mistake, it was an overage to my Loan & Escrow accounts, that all bills { loans & Insurance and taxes } are paid. I question the CSR again & the same answer. The CSR person said that if I did n't want the check, just send it back. I reply that if is this for real, I was going to pay a bill with it. # 2. I found out on XXXX that " Loan Care '' had been applying Mortgage payments to my Escrow account. # 3. I call " Loan Care '' on XXXX/XXXX/XXXX to find out were my Loan Statement was, I 'm trying to Re-fi my mortgage with XXXX & need a up to date statement. That 's went I was told ; that I was behind in Home payments & it had been reported to the " Credit Company 's ''. That 's when I found out that my Mortgage payments were being added to Escrow accounts. After talking to XXXX different CS 's, I found out that they had added XXXX Mortgage payments to my Escrow account & not my Mortgage. " Loan Care '' Mortgage Company only found these errors out when I call them on XXXX/XXXX/XXXX. I then was transfer to upper management person - XXXX XXXX. I told her all that I found out about what was going on with MY Mortgage payments. XXXX said she was correcting all of the payments errors as we speak. But that I was still behind XXXX payment & I need to pay it. I told her I do n't have it & that after I call " Loan Care '' on XXXX, I had paid a bill with that money they had send back to me & that this was their BIG ERROR. I told XXXX that the mortgage was being paid by Indiana Gov'ent help fund. That I was calling Indiana XXXX XXXX and reporting " Loan Care Mortgage. XXXX group told me to file this complain with you and the Indiana Attorney General as well.. The payments were made in good faith and the " Loan Care '' Mortgage Company was the one making all of errors and not taking responsibility for said errors.
Someone needs to something to assist me because I know for a fact that these accounts were not legally verified and no one is helping me. It 's incredible that these people care more about money than they do about making sure that they do their job! How many times do they have to be sued and now many times do consumers have to complain about this type of abuse before someone actually does something to enforce the law?! XXXX states that when I notify them that there 's an error, they must conduct an investigation. When they " verify '' it and provide no proof, they must reinvestigate and go beyond the original source of info XXXX the creditor ) to ensure that it 's reporting accurately. That means they MUST conduct an independent investigation. They are required to have the paperwork that substantiates these accounts. Section XXXX protects me against false reporting by the bureaus and they must produce the paperwork that was signed by me when the account XXXX XXXX ) was opened. XXXX states in XXXX v XXXX XXXX, that the burden of proof is on them and not me ( see lawsuit attached ). 

Where 's their proof? Where 's the proof that they did n't just parrot the creditors? This is absolute negligence. 

Here 's what was on my dispute letter XXXX see attached ) : I do n't know why the government allows you to keep this stuff on my credit report without providing an actual investigation and providing the actual documentation that belongs to these accounts. You can not, by law, just report whatever you 're given! You are not allowed to state that these have been verified without providing the proof that substantiates your claim. You did not, at any time, legally verify these accounts as required under the FCRA. Where 's your proof that you ever did an investigation? What procedures were used? How is it that I did n't receive any response whatsoever from these companies and yet, miraculously they respond to you each time! How can that be when I 've called to find out and they 've told me that you have n't contacted them at all? That means that these were never verified at all. The ONLY proof that you can produce would be the paperwork with my signature. Other than that, they have not been verified. In addition, I already told you that I was n't 90 days late and you did n't send me anything at all to substantiate anything. If you do n't have the physical proof - which can only be this company 's bank statement proving when my payments were accepted into their account - then you 're just parroting what they 're telling you and that 's not allowed by law! Considering that you 've done nothing to ensure that these are reporting accurate, you are must immediately DELETE these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I will NOT accept a response saying that they did an " investigation '' and that my name, SSN and address ( or DOB ) was a match. That is not legal proof and my info being on a screen in front of someone does not meet the requirements of the FCRA
Earlier this year, I discovered the CitiFinancial was reporting an unpaid collection balance with their company for {$7100.00}. I contacted them to resolve the account, but they responded to me that the balance was transferred, and I did not have an outstanding balance with their company. I have forwarded a copy of the letter CitiFinancial sent to me stating that I did not owe them anything, but CitiFinancial will not allow XXXX XXXX XXXX to update this balance to report {$0.00} owed.
1st I submitted a dispute as " not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.
I have called the credit reporting company ( Transunion ) and they wouldnt take care of the issue. I have 8 inquiries that are to be removed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Bank of America Closed my account suddenly i dunno why and when i called the closure team no body gives information or the reason why closed the account they are very very rude in answering and i dont have information why they closed the account even they closed my creditcard and took my cash reward which was about 1300 $ and when i asked them to give me that redemption they said its bank policy they take my cash reward, I want to reopen bank account with them as i have many of my buissiness partners on bank of america so its easier in the transaction what can i make to reopen the bank account again.Thanks
On XX/XX/XXXX I paid my XXXX 's mortgage payment at XXXX XXXX. I called the company to let them know that the payment was made as well. On the company 's website there's a statement " If you pay after XXXX XXXX. CST it will be considered late. '' However, the receipt they send seconds after submitting payment states it will be applied on the effective day or shortly after. The statement shows effective day as the XX/XX/XXXX. I believe James B. Nutter receipt showing effective date of the XX/XX/XXXX means that my payment should take effect for the month of XXXX. When I called on today, XX/XX/XXXX there was nan named XXXX ( who was rude ) that advised that it will go on my credit. I told him that I have paid after XXXX in the in XXXX and it did not. He then told me well if you made it a couples I can't help that, it's going on your credit today. This is an unfair practice by this company and they are choosing when they are wanting to place things on consumers credit reports. Also, the receipt does not have the statement of paying after XXXX. on it. I'm really needing help because the employees at this company are diffult to deal with and really rude. I'm attaching two payments where I paid after XXXX and have a couple of more.
I'm a current XXXX customer. I was living in XXXX and using their service. I then moved to XXXX  and remained a XXXX   customer. However, in the process I was told I would have to open a new account but my login information would be exactly the same as it was before, it would just be a new account number. I continued to pay my bills on time on the new account with no issue. Apparently there was an amount due on the old account but I had no knowledge or communication from XXXX  that there was money owed on the old account ( because I could not log into that account anymore since my login directed me to the new one ). I was never told there was an issue with my account ( no written letter, phone calls, emails etc. ) until it went to collection. I paid the collection but now I have a derogatory mark on my credit report that is affecting my ability to receive credit. I have told XXXX this issue and they do not want to help me. The collection agency was Diversified Consultants Inc. who have a relationship with XXXX.
I contacted TransUnion to withdraw the released/paid tax lien from my credit report and they refused. Although XXXX has removed it upon dispute earlier this year. Not sure about XXXX. There is no balance of {$1300.00}, as shown in the photo provided. Nor is my name listed with the XXXX XXXX XXXX XXXX as oweing a debt. That photo is also attached. The lien is impacting my ability to secure better interest rates on needed credit approvals for XXXX XXXX for needed dental procedure, auto re-financing which is currently at 17 %, and my future home purchase, as my current landlord is selling his property, and not extending my lease. That occurs in 8 weeks. Please, That 's a lot of financial obligations going on all at once. This lien impacts my future heavily, and its been paid off for 4 years. Due to these reasons provided, I would like the lien withdrawn from TranUnion and XXXX ( if it 's also listed there ) immediately. 
Regards,
I pay all my bills on time and I find it outrageous that i have a debt XXXX from a company I have no dealings with. I need answer as of why this on my credit report and why I was never contacted about this debt. I called my utilities suppliers and they have no clue of any debt because I again pay my bills on time. I will not take this lightly and I will take legal actions
My account has been experiencing unauthorized withdrawals and I addressed it with my bank months ago! I then submitted a complaint with theCFPB, so they sent me a letter and asked me to call them. When I called them, they said they had seen where I reported the unauthorized charges and then they said they would have to review the account and that I would have to wait for 3-5 business days before they make a decision.
Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to Citibank. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called Citibank numerous times and updated them, but failed to put that information into writing. By late XX/XX/2016, the debt consolidation loan settled and a check for {$33000.00} was issued to Citibank. The last account statement I received from Citibank ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from Citibank. Citibank apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe Citibank, despite two letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.
My name is XXXX XXXX XXXX Social Security XXXX XXXX. On XXXX XXXX, XXXX we received a call from USAA Fraud Department regarding deposits on my checking account ( account number XXXX ). I had applied for a loan on line that I thought was from eloans, but apparently it was not. Some how they made deposits with personal check from closed accounts and accounts with insufficient funds. 

The bank thought I had made these deposits which I did not however, it has caused us a multitude of problems. Currently are checking has been placed on a credit only status starting XXXX XXXX or XXXX thru XXXX XXXX, XXXX. My Military Retirement Pay, VA XXXX and my wife 's Social Security have been direct deposited into the account, as I was not able to change those deposits before the cutoff dates. 

I have contacted USAA on several occasions trying to get some funds released as the account has approximately a {$2000.00} dollar balance ( unable to access they account for precise balance ) so I could pay our utilities before they cut them off. 

We ( my wife and I ) do n't know where to turn or what to do as the bank refuses to release any of our funds and are hoping that you could provide some help or guidance. 

Thank you for your time and any assistance that you could provide regarding this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Transunion failed to respond to my request for debt validation ( not verification ) on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Transunion on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Transunion by XX/XX/XXXX as required by the FCRA.
I was contacted by a rude individual from the agency on XX/XX/2018 at XXXX. When I verified my name and that the address she was providing was incorrect, she then blurts out the last four of my SSN.  This is a violation of my personal information as if you search my name, I am not the only XXXX XXXX to exist so why are you giving out the last four of my SSN??? Then After I tell her I am disputing the debt because this is for equipment that was returned. She then tells me that It is for the installments which I tell her That's incorrect. Her response is " Well if I am wrong, why are you in collections? '' I responded to her telling her not to call me ever again and ended the call. Then on XX/XX/2018, I received an additional call from this agency after specifically stating to not call me again.
I have contacted XXXX XXXX  on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.
My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. 
Dealer discount price was subject to a loan with Ally.
I have been trying to get a loan modification since XXXX and Ocwen is giving me the runaround along with being unfair, deceptive and abusive. Most recently, they have sent me an offer for a Streamlined Hamp modification knowing full well, or at least they should as I have disclosed it from my very first XXXX, that I own more than XXXX rental properties exclusive of my principal residence. They have also made the offer in my ex-husband 's name irrespective of the fact that I have submitted a copy of my divorce decree countless times and the fact that the information on the XXXX was mine, and mine only and had XXXX information regarding my ex-husband, who has had no interest in the property since XXXX.
Original complaint filed against this CRA on XXXX XXXX, 2016 under case number XXXX. Instead, of acknowledging the complaint, the CRA sent a standard " boiler point response that they will check with the original furnisher of information ''. In fact, report number XXXX, dated XXXX XXXX, 2016 has XXXX accounts that are listed on the report as : " This account is scheduled to continue on record until XXXX 2016 ''.
I called to notify Asset Recovery XX/XX/XXXX the debt was not mine and the woman I spoke with couldn't provide me with the information needed to ensure it didn't wind up on my credit report and when I indicated that the debt did not belong to me and asked when it was opened, XXXX and when it was charged off XXXX, I indicated that it was 13 years old and I also have never in my life had a line of credit and didnt open the account and she began to tell me how embarrassing it must be to know I'm not able to pay my bills and especially from that long ago and hung up on me. When I tried to call back the operator wouldn't connect me with a manager.