WillisBack/dataset-financial-user-claim huggingface dataset:
I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section XXXX. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.
American Express have a collection or listed a credit cards I have never used. 
This is wrong and not be on my credit report.
Id like to dispute a late mortgage payment from XX/XX/2015, a chase card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
In 2014, my initial mtg servicer, extended a modification for my loan, which was approved and executed XX/XX/XXXX. The title company of my home decided to make changes of servicer from which I never received any notification. My mortgage was being paid directly to the Title owner of the company until the bank rejected the third payment. That is when I found out about LoanCare who is the new Servicer. During my conversation with them, they supported me via email with the actual mortgage amount that I was suppose to be paying, I challenged the amount even though it was in my favor, because it was n't what I had modified my mortgage to. They are not accepting my modification, they are forcing me to pay the higher amount they are assigning to me and they have send my files to the attorney without any written notice. I have a large amount of emails from the the title that my mortgage was even lesser than my modification. Yet trying to be honest, I challenged the amount that was {$300.00} dollars less. I had {$7500.00} in escrow and because they are claiming that my mortgage was short. they have decided to send me to their foreclosure attorney. I have till XXXX XXXX to pay an exuberant amount of money based on the mortgage they assigned to me vs my executed modification and they also returned back to me {$6000.00} of funds that were sitting in escrow and only applied the {$1500.00} on XXXX XXXX which happens to be the amount they claim is short to begin with. So they are not accepting my modification, but they applied the funds that were left in escrow. I do n't want to loose my home on the fact of {$3000.00}, or less due to a severe clerical and unjust error from their end, I feel as if this is almost fraudulent or a scam from their behalf. I do hold an executed modification and my time is ticking with the opposing counsel.
URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both XXXX and Equifax. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.
Paypal refused to close my account today despite 8 phone calls and failed to recredit me for a fraudulent charge for {$170.00} from XXXX
I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
I disputed a chapter XXXX dismissed bankruptcy and a state of Maryland tax lien with transunion. The investigation came back as verified. I received a letter from the both courts explaining that they DO NOT report to credit bureaus and therefore must be deleted.
I applied to renew my income based repayment on my student loans on XX/XX/XXXX. I received a confirmation letter from Navient that my application had been accepted on XX/XX/XXXX. I received another letter from Navient onXX/XX/XXXX that my Income Driven Repayment Plan had been approved. It also reported that I should expect to receive the details of my new repayment plan after my current plan expired on XX/XX/XXXX. It instructed me to submit a new IBR application, even though Navient had already sent confirmation of receiving my application and sent confirmation that my income driven repayment plan had been approved.

As of XX/XX/XXXX, I have not received the details of my new approved Income Driven Repayment Plan. What I did receive today were 3 separate emails stating that my payments would be increasing to the amount I would have been paying had I not renewed my repayment plan. I would like to know the details of my approved income driven repayment plan and for my monthly obligation to reflect that repayment plan.
i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,
Genessee Financial XXXX  {$9600.00} I never got any infomation from this repossession are a notice of sell of this vehicle could you provide me with this information, i need proof of these notice.
Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Bank of America checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Bank of America advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you " avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the " red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

Thank you.
On XX/XX/XXXX I noted in my personal back account that there was an unauthorized charge for XXXX from XXXX that I never signed up for. I initially called XXXX and they said I needed to call my bank for refund but were otherwise not helpful. I then noted that over the last year, starting XX/XX/XXXX there were a total of 7 charges of XXXX with varied XXXX accounts at varied dates (no pattern or specific day of the month) that I was charged = approx $100 total. I called Chase (my bank) to explain and they called XXXX with me on the call to get more information. Per the XXXX representative, my identity was stolen and this account was set up in XXXX (I have never been nor do I know anyone there) and since it was "such high level hacking" there was nothing that they could do. Chase than also said that all they could do was get me a new debit card and refund 1 change for XXXX only (which of note has not yet been done even though they mailed me a letter which I am happy to provide). As you can tell I have several issues both with XXXX for their inability to help in anyway and with Chase for their inability to assist with my hacked account beyond sending a new debit card. Please also note that the conversation with XXXX and chase was recorded by Chase so they should have this on record.
I was contacted in XXXX by Target Store 's credit card division to inform me that a TD Bank/Target Store credit card application had been submitted at XXXX of its stores in North Carolina, and Target suspected it was fraudulent. I confirmed that the application was in fact fraudulent and Target informed me that the application and account would be terminated. Target followed up with a paper mail affidavit for me to complete, which I completed and mailed back to officially close the fraudulent account. Additionally, I contacted the XXXX bureaus to place an active fraud alert on my credit file. This week when checking my credit, I learned that the TD Bank-Target Credit Card Account was officially opened despite the extensive prior communication on the issue.
Check fraud with XXXX XXXX Check ordering via SunTrust confirmation numbers XXXX and XXXX. I was informed that the checking account could not be verified. 
However, a withdrawal was made in the amount of {$100.00} on today XX/XX/XXXX with SunTrust to conceal fraud and consecutive SCRA violations ( civil penalty with the Social Security Administration for appointment scheduled on XX/XX/XXXX at XXXX XXXX ) with XXXX XXXX XXXX due to release of information. Also, the withdrawal was made with SunTrust upon knowledge of denial of legal services with XXXX XXXX due to slander of XXXX harassment by XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have a recording of the conversation from my criminal case with the City of XXXX back in XX/XX/XXXX. The recording will be presented at my next therapy session on XX/XX/XXXX at XXXX XXXX with XXXX. XXXX & XXXX fraud in the amount of {$2.00} million with SunTrust and XXXX XXXX. XXXX XXXX, XXXX XXXX 's XXXX, and XXXX XXXX XXXX XXXX ( Net worth is {$14.00} million, alleged report of {>= $1,000,000} is false due to investigation of fraud with XXXX XXXX ) have been bought out by my entity as sole proprietor of XXXX 's XXXX & XXXX XXXX due to income tax fraud in the amount of {>= $1,000,000}. Recall fraud with SunTrust for VIN XXXX. TCPA violation in the amount of {$250000.00} for release of false information due to knowledge of my stolen identity since XX/XX/XXXX. IRS and XXXX Patent infringement violation in the amount {$4.00} million. XXXX XXXX is the premise of the {$330.00} civil penalty with SunTrust due to using XXXX on XX/XX/XXXX to conceal life securities fraud with my maternal grandmother XXXX XXXX 's insurance with XXXX XXXX. My Underwriting Formal Disclosure was notarized on XX/XX/XXXX due to this financial deception. My Capital Leverage Report/UCC-3 Statement/XX/XX/XXXX Dividend History adjustment of .1 was notarized on XX/XX/XXXX due to this financial deception. The XXXX Dividend History adjustment of .1 was used for XXXX fraud with XXXX XXXX University.
Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed.
Fed Loan Servicing is currently reporting false and incorrect information to XXXX, XXXX and XXXX. I have sent Fed Loan a certified letter over 30 days ago to validate this debt and to this day they have n't replied. I also have called several times to the # listed on my credit report XXXX and have received they no longer have this account and can not give me any information on this account BUT Fed Loan is verifying and updating to the credit bureaus the last two times I disputed. How can this be if when I 'm calling they have no information to give me? Also this account is over 7years old from. Per FCRA if this account is not removed ASAP I will file a lawsuit.
We have a mortgage with quicken loan we have only been with them for six months they are and have re accessed our escrow account this is normally done on your anniversary of you loan. When we called to ask about this we were told that all loans in the state of Louisiana are done this so people do n't suffer at the end of the year this is a company decision they have made. We feel this is wrong for them to do this is not correct and kind of border line of discrimination.
RE : CAPITAL ONE NA Claim # XXXX On XX/XX/2017, at or about XXXX XXXX, I used an ATM machine located on the lobby of CAPITAL ONE NA Bank at XXXX XXXX XXXX, XXXX, NY XXXX, tel. ( XXXX ) XXXX.The ATM ID # XXXX failed to dispense {$100.00} cash requested. The metal rolling door opened and remained opened for 3-4 seconds, but not cash was dispensed.The bank declined my claim, deducted {$100.00} from my checking account and refused to provide video footage of the transaction proving that the ATM did not dispense the cash. 

After the failed transaction, I spent 40-50 minutes in front of the ATM machine talking with customer service and file a complaint. The ATM was not used during this time.
Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all three credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX
Doctor bill submitted for collection because doctor 's office did not provide updated medical insurance to its billing department. Updated information also included my new address so I never got a notice of the problem. Doctor 's office cancelled the collection on XXXX/XXXX/15, more than 30 days ago, and it needs to come off my credit report and the affect it has had upon my credit score.
I received a phone call from a lady stating she was from Caine & Weiner and demanded payment. I asked her nicely to send me a verification letter on company letter head to verify the debt. She said they sent letters in the past and she will not put in a request to send another. Things got heated over the phone when she continued to demand payment without verification. I ended up telling her I will not pay until I get a confirmation of the debt in the mail and she threatened to pursue the debt " legally ''. I told her I know my rights and hung up. After cooling off I called the same number and to my surprised received the same lady who apparently had caller ID because she said my name and asked what I wanted. Once again I asked her to verify my debt by sending me a letter and she asked why a phone call wasn't good enough to be verified. I told her I'm not going to pay without the verification letter and hung up again. 

I had already sent the debt company a certified letter to verify the information in writing.
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRANSUNION/XXXX/XXXX/XXXX XXXX XXXX  Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE MONEY TO YOU, FOR ONE THIS ACCOUNT WAS ALLEGEDLY OPENED IN XXXX, YET YOU HAVE THE START DATE OF NEGATIVE FROM XXXX. YOU ALSO SHOW NO PAYMENTS EVER PAID SO THIS IS INCORRECT REPORTING EVEN IF IT WAS MINE, YOU ARE REPORTING IT WRONG. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, Transunion, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
I have attended XXXX XXXX and not XXXX XXXX. 

Me and my husband XXXX XXXX both attended this college together in the same batch, and we both have identical problems with our student loan. 

I have been given XXXX balance statement by my college, than why is this collection agency calling me? 

They have told me it will spoil my credit report too. 

There is some thing wrong with this college and financial aid department. 

When I joined the college my loan was with Tuition Options, in between it got changed to XXXX XXXX, I did not make the change. I do not know who did that. 

Than after I was given XXXX balance statement, copy attached, than I get threat calls. 
Last call was from FCC headquarter Person name XXXX called, from phone no XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EST I am suffering. 

Can you please help? 

I was told while signup Every student gets 6 months to start to replay his/ her loan after course completion.
This a formal compliant against Experian regarding inaccuracy on my credit file. On XX/XX/XXXX, I  discovered that XXXX XXXX account number xxxxxxxxxxxxx XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX  which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified Experian in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.
XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX AVANTE USA REASON IS EXPLAINED BELOW XX/XX/XXXX DXXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,