WillisBack/dataset-financial-user-claim huggingface dataset:
FIRST, I WANT TO THANK YOU FOR YOUR PREVIOUS HELP WITH CITIBANK, N.A., NOW THE NEXT PROBLEM ... 
AS OF MID XXXX, CITIBANK , N.A . HAS REPORTED TO THE 3 MAIN CREDIT AGENCIES, XXXX, XXXX, XXXX, THAT OUR HOME EQUITY LOAN ACCOUNT # XXXX HAS BEEN PAID IN FULL AND SHOWS NO BALANCE. AS OF MY XXXX PAYMENT TO CITIBANK, MY BALANCE IS ABOUT {$49000.00} +, AND FOR SOME STRANGE REASON WHEN XXXX AND XXXX RECEIVED THE LAST BANK REPORT MY FICO SCORES DROPPED FROM THE NEAR 800 LEVEL. 
IF THE CITIBANK REPORT IS TRUE THAT THERE IS NO BALANCE I HAVE NO IDEA WHO PAID IT.
XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Citibank took over the accounts for XXXX from XXXX. When doing so, our XXXX number was not carried forward to the Citibank account. When payments were attempted to XXXX, they were returned. Citibank imposed late charges and finance fees in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first notice that we received of a payment address for Citibank was in XX/XX/XXXX, upon which we came current on our account. However, Citibank is not refunding all late payments and finance charges accrued during the XXXX month period.
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.
While the loan was with XXXX XXXX XXXX I was offer a trial loan modification. I began making payments to bring the mortgage into a current status XXXX accepted payments from XXXX XXXX until XXXX XXXX fulfilling my trial modification. I continued to make payments but the bank refused to accept any further payments after XXXX. All payments that were sent to XXXX were returned and not applied to the mortgage. How can pay a mortgage when they do n't accept payments. I in attempted in good faith to put my mortgage and pay off my debt as per the agreement with the bank and XXXX. They did not live up to their promises also XXXX refused to send multiple documents that were requested. Also documents that were sent to me in XXXX were from XXXX but we 're notarized in XXXX. Also these documents were from XXXX different companies and the originator of the document that was made in XXXX no longer existed in XXXX. How can a company notarized and state that a document is accurate when they did not create it. Than I looked into the head attorney for XXXX and found out it was XXXX XXXX XXXX pc. After doing research I easily found that he was no longer in business because of thousands of illegal immoral and unconcinable business practices.
On XXXX XXXX, 2017, XXXX XXXX XXXX provided a renewal offer of our homeowners insurance policy. THE BILL CLEARLY SHOWS {$2700.00} AS DUE TO PAY IN FULL. On XX/XX/XXXX, Ocwen deducted {$2900.00} form our escrow account for Ins Disbursement : XXXX XXXX XXXX. SAID PAYMENT BEING {$140.00} IN EXCESS OF THE AMOUNT DUE & SHOWS NOWHERE ON THE BILLING STATEMENT. We contacted Ocwen by telephone on XXXX XXXX 2017 and was told that they did not know the payment was {$2900.00}. The rep even went so far as to tell us that the amount due according to their computer system was {$2700.00} but that it did show a payment was made on XX/XX/XXXX in the amount of {$2900.00}. The rep assured me that the Insurance company would issue a refund & that if sent to them they would credit it back to the escrow, however, if it was sent to us we needed to forwarded it to Ocwen to be returned to the Escrow account. I informed the rep that I did not recall seeing that requirement in our mortgage agreement that we must return to Ocwen refunds from over payments that are their error. He was insistent that since it came out of the Escrow Account it must be returned to the Escrow Account. Following the phone conversation we wrote Ocwen Insurance Department & the Ocwen Consumer Advocate/Ombudsman concerning this overpayment. WE SIMPLY ASKED TO BE PROVIDED WITH A WRITTEN EXPLAINATION OF WHY THEY PAID {$140.00} MORE THAN WAS DUE, HOW THEY CAME UP WITH {$2900.00} DUE WHEN IT IS CLEARLY PRINTED ON THE BILL THAT ONLY {$2700.00} WAS DUE. Today, XX/XX/XXXX, Ocwen called & left a voice mail stating that they had spoken with our insurance agent and that a refund would be issued and sent to us as the insured. We were once again advised that we need to forward that to Ocwen to be returned to the Escrow Account. WE ARE STILL WAITING FOR AN EXPLANATION OF THE ERROR HOW THEY CAME TO PAY MORE THAN WHAT WAS CLEARLY SPECIFIED AS DUE. This is NOT the 1st error that Ocwen has made with our Escrow Account. We are still missing {$42.00} from an over payment Ocwen made to the county in XX/XX/XXXX -- the bill clearly stating 1 amount & Ocwen deducting a greater amount from our Escrow with no refund or credit having been received 8 months later. We are aware that Ocwen was sued in XXXX 2017 in part due to error in managing Escrow Accounts .... & we have long held suspicions over some of their escrow practices. Clearly, getting sued last XX/XX/XXXX has had ZERO effect on their practices today as this error mimics many of the errors that resulted in CFPB filing suit against them!
I have gone on line to tried to get a loan from a company called Rise and the last time I tried to appy for a loan from this company the letter stated that fraud is on my record.I immediately called this company and was told that this information could n't be discussed over the telephone.I 'm very concerned about this situation because in 2004 MY previousdriver license information was used fraudulately in this women opening a bank account in my name.This is my email account XXXXXXXXXXXX
Last week I contacted the Veteran, s Administration to see if they can reduced my Home Veteran 's Loans monthly payments. They check my credit and to my surprise they said that my Score was low.and that XXXX of my accounts were delinquent for some time. I told the counselor that it was impossible because I always make the payments. The XXXX XXXX XXXX are paying the bills for about 2 years. The VA counselor told me that I have to find out thru XXXX XXXX. I called XXXX and told them to send me all the payments made from XXXX 2015. They send it and and find out that the XXXX was making the payments, XXXX send me to The Credit Bureau, Experian,. and that was the cause why my scores went down like crazy. My telephone is XXXX, My address is XXXX XXXX XXXX, XXXX, Tx XXXX. This is serious business. Thanks XXXX XXXX 2015. They dis sen
I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.
I am behind, but working toward catching up. I have XXXX payment in dispute. XXXX XXXX I received a check in the amount of a full mortgage payment. Dietech sent a letter dated XXXX XXXX, 2015 and check dated XXXX XXXX, 2015, stating the check was a refund of my XXXX 2015 mortgage payment ( which they cashed on XXXX XXXX, 2015 ) due to not begin enough to reinstate. I looked on a monthly statement and it said as of XXXX XXXX, 2015, I was 135 days delinquent. That is not true. Dietech removed a payment from my account- sent out a check- and then listed my account over 120 days due. I still ca n't believe that they would be so brash to out-rightly due that? I have no intention of cashing the check they sent me, it 's not mine. I made my payment, and made another that they are still holding. I do n't like to my insinuations but why would they do this other than to force my account into 120 days delinquency so they can start foreclosure? Why did they remove a payment from my account, when it was received back in XXXX, and it was as I send all of my payments with mailing proof of receipt. I am extremely stressed over this situation and certainly think action should be taken. How many more people have they done this to? It 's not right.
I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report.
They are reporting bankruptcy to all XXXX credit buros XXXX XXXX eqifax and XXXX the information is incorrect it says it was discharged in XX/XX/XXXX but it was discharged in XX/XX/XXXX that 's 13 years from now it was chaper XXXX which should only stay on 10 years the most this is hurting me from getting a house for my kids n I and I have reestablished credit over the years and this is still coming up the credit report company 's are sending no proof to back up there claim I want it removed at once or ill sue
My paid subscription directly with XXXX is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( USAA ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
WESTERN UNION SENT A LETTER DATED XXXX2017. THE ADDRESS AND NAME TO ME XXXX XXXX XXXX   AND TO XXXX XXXX XXXX STATING CONFUSION.

WESTERN UNION IS IN VIOLATION OF THE DODD-FRAN A CT.

SEE ATTACHED LETTER. REFXXXX
I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX XXXX is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX
I recieved a notice for a collection of debt from the Law offices of XXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX Housing Authority. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX of the removal and with Experian they removed the debt from {$1900.00} to {$1700.00} and at that point XXXX and Experian requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XX/XX/XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call Experian they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.
Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.
XXXX   XXXX  formally  XXXX  had closed my account around  XXXX , this was done at my request. To my surprise, I attempted to open an account with  XXXX   XXXX   XXXX   XXXX  in  XXXX    XXXX   and was told that  XXXX   XXXX  was reporting an owed charge. I went to  XXXX   XXXX  and was told that when they were  XXXX , a merchant had charged my account for around {$120.00} despite me having cancelled the automatic withdrawal. Strange also was the fact that despite this 'charge ' I was allowed to close my account at that time without any issues so this was a big surprise several years later. Nevertheless, I paid the {$120.00} to  XXXX   XXXX  around  XXXX    XXXX  . I have been going back to  XXXX  ever since only to be consistently told that despite them seeing that  XXXX   XXXX  no longer says I owe anything, it is still showing up with Transunion. This is preventing me from opening an account with Transunion. Upon contacting Transunion, they keep saying it is cleared and 'they do not know ' why it is showing up. I think I have done all I can and do not know what more to do and it has been over 7 months.
XXXX   XXXX ,  2016     Opened Date  XXXX  {$320.00} . I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX     2016,   Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
I've contacted XXXX several times over the past year to dispute a state lien that's presently showing on my credit report. I've disputed this indicating that this doesn't belong to me. I've asked for the specific information used that indicates that this belongs to me and XXXX will not provide that information to me. I've also asked that this information be removed because of it's inaccuracy, yet my only responses have been, " we've already investigated this item ''.
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$240.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alledged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company sent me a letter dated for XX/XX/2018, this document was the same identical documentation they sent on XXXX and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
My parents both passed away this year, my Dad just back in XX/XX/XXXX. Trying to do the right thing, I had XXXX XXXX close their credit card and send it to XXXX   Services, so that no further interest or penalties would accrue while we waited for the estate to go through Probate Court and were able to pay the {$390.00} owed. I did not realize I was signing up to be relentlessly harassed by vultures.

I spoke with one of XXXX XXXX agents, and let them know the situation and that we would pay as soon as we could, although we are not even legally obligated to. But my Dad raised us better than that. Since that point, I've received four letters and two more phone calls, in the evening, inconveniently at my toddlers bedtime no less, all in less than a month. The XXXX   Services agents are SO PUSHY and really insensitive to the fact that we are grieving family members with so many other other more important things we're already dealing with in regards to the deaths of our parents. It's disgusting what they are doing, they need to be shut down. Luckily I have a backbone and I know my legal rights in this situation, but think of how many sad, scared little old widows these vultures pretty upon. It's beyond unacceptable.
I am requesting that this claim be removed from my credit report. 
The creditor 's claim was made on XXXX 2010 ( over 6 years ago ) and I never received documentation on this claim. I have XXXX debt collection agencies requiring payment for the same claim originally sold to them by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I have taken with National Credit Systems : 1. I have never received any documentation on the claim from National Credit Systems, they are required to send me documentation of the details of the claim made. 
2. I called National Credit System 's home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was ever sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation or claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted National Credit Systems over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. 
The original claim made by XXXX XXXX was erroneous and National Credit Systems was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
On XXXX XXXX, I went to XXXX to view free credit reports I am entitled to received XXXX time ( per CRA ) per year. I successfully viewed my XXXX and Experian reports. I also selected the purchase option to get my credit score from both of these CRA 's. My Transunion experience was fine : simple, transparent and provided me with what I wanted/expected. I paid the one-time fee and received my score. 

My Experian experience was not fine. Although I have worked in the XXXX for over 20 years, I did not notice Experian 's " fine print '' that by getting my score for {$4.00}, I was also enrolling in a program that was free for the first month and then I would be charged {$19.00} per month after that. Today, I realized I had a {$19.00} charge on my credit card ( posted XXXX ) for Experian 's monthly {$19.00} fee for whatever " service '' I apparently enrolled in. 

In my line of work, I follow the CFPB closely. I know that credit reporting has been a big area of focus and produces a high number of consumer complaints ( some fair and some unfair I 'm sure ). 

When I called Experian to ask about the {$19.00} charge on my credit card, and to bring forward my concerns about the " automatic '' enrollment in some " service, '' the representative was professional and helpful. He immediately canceled my membership but would not refund the {$19.00} fee that had already been charged to my credit card - essentially saying it was a " legitimate charge. '' I 'll admit, I may have missed reading some disclaimer or fine print when I thought I was just getting my Experian score for a one-time fee of {$4.00} on XXXX. 

However, if I 've made this mistake, I am very confident many, many others have also made the same mistake and 1 ) have n't noticed the credit card charges yet and/or 2 ) do n't know what to do about it. That is why I 'm writing to you today. I made it clear to the Experian representative that I talked to that I was going to contact the CFPB because the " automatic enrollment '' as a " revenue generator '' for Experian was not, in my opinion, an appropriate or " consumer friendly '' way to generate revenue in today 's highly regulated environment. 

For the record, I have no personal or professional connections with anyone at Experian or XXXX - not currently and not at anytime in the past.