WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, On XX/XX/XXXX I submitted a request to Equifax to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX 120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XXXX 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXXXXXX XXXX {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late
BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.
In 2010 I had financial trouble and asked for a refinance for lower payments, which they did but I had to sign a lien against my house for over XXXX dollars which is due when my house is paid off. Only XXXX actually went towards my home. The other XXXX the bank PNC Mortgage kept for themselves, I 'm assuming for the fees they charge. I have always been bitter about this and just recently learned about CFPB. Maybe someone can look into what they did and see if it was legitimate.
I am down to the last 4 payments with XXXX, dba Lending Club Corporation, dba XXXX XXXX XXXX XXXX   XXXX, dba XXXX XXXX XXXX XXXX XXXX. 
When I switched from an ACH debit from my XXXX account to a PAPER CHECK from my XXXX checking account. 
XXXX Bill pay has sent 4 payments to Lending Club Corporation, all have been returned as UNDELIVERABLE. 
1st sent XX/XX/XXXX, for {$440.00} XXXX emailed me via my account " we mailed the check for the payment listed below, but it came back to us as undeliverable, we have placed a stop payment on the check. Please contact payee and update the address before resending. 
I contacted Lending Club and I was told, " Your bank has to send a paper check. '' Which XXXX had indeed done. 
2nd payment sent on XX/XX/XXXX in the amount of {$430.00} to the Lending Club Corporation. 
XXXX advised me on XX/XX/XXXX that payment to The Lending Club Corporation, " We mailed a check for payment listed below [ Payment to Lending Club Corporation from account XXXX for {$430.00} ] But it came back as undeliverable. We have placed a stop payment on the check. 
Please contact the payee before sending another payment. 
3rd Payment to Lending Club Corporation Sent XX/XX/XXXX The whereabouts if the check sent from XXXX are unknown at this time. My account at XXXX shows the check was cut on this date and mailed, HOWEVER On XX/XX/XXXX I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX The balance of the loan is in fact, {$1700.00} I researched the Office of Comptroller of Currency, U.S. Dept if Treasury and found that neither Lending Club Corporation, nor Consumer Lending Receivables XXXX XXXX XXXX exist in their data base. 

I verified the address to the Lending Club as follows with a very rude man XXXX prior to making my payments via check : Lending Club Corporation Dept XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My Account number is : XXXX As a result of their phony address all the payments that have been made have been returned, less the one still outstanding made on XX/XX/XXXX. The whereabouts of this payment have not been returned to me neither has it posted to my account at the Lending Club Corporation to date.

The Lending Club Corporation Sent my account to collection only 39 days after the due date of my payment due on XX/XX/XXXX. The payment made XX/XX/XXXX was made on time, albeit returned by the Lending Club Corporation marked UNDELIVERABLE.

Now my account is in collection. The Lending Club Corporation does not answer their phone, XXXX is no longer linked to this Corporation, they are not registered with The Office of Comptroller of Currency???
I had fraudulent charges made on my debit card. It is a joint account from Chase that I have with my husband who I am separated with. I had not yet closed the account and he had his card information stolen. The card had several fraudulent transactions made adding up to {$1000.00}. The charges were made between XX/XX/XXXX and XX/XX/2018. When I realized the transactions were not from him I went to the bank and had his card canceled. The bank made a dispute and I was refunded for the transactions on XX/XX/XXXX. Then on XX/XX/XXXX I was shocked to see that they denied the claim and charged me again for all XXXX transactions. I tried calling to figure out what happened and they said I had not reported it soon enough and there was nothing I could do to get my money back. Then I went into the bank and talked to a banker who gave me a number to escalate the claim. I went through this process and in the end they wanted to call him and ask him some questions. That never happened. Then I went into another Chase and stayed there while a banker tried to help my figure out what happened. I said clearly it is fraud. All of these transactions were made in XXXX XXXX and the actual card is with him in Texas where he is making transactions on the exact same days. How can he be in two places at once. They said he would need proof of him being in Texas those days and that the transactions made were not enough proof. So we sent in his school enrollment. They said that was not sufficient proof of where he was and that they would need a time stamp in order to reopen the case. His school does not have time stamps and he is not working there. They also said a cell phone bill with locations of his whereabouts would not be sufficient proof. I am sick of getting the run around and just want to get my own money back as Chase bank states they refund under fraud protection. I have been trying to close this bank account with my soon to be ex husband but I cant close it until this case has rightfully been refunded. 
I am making this complaint by myself because it was my personal money that was stolen out of the account and even though the fraud was from my ex husbands debit card, he is not helpful in helping it get refunded.
DISCOVER did n't replying in a timely manner to my letters, or have they to date after  4  certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that th ey may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  Discover  did not reply.     I tried to sue already but I had put the wrong reason I was suing on court documents so I have a new pending litagation
I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to XXXX and they had no other information. The amount of the charge off is {$120.00} which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.
The credit reporting agencies Experian, XXXX  XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( 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 with a copy of verifiable proof, you must remove the accounts from my credit eport
Over the past year or two, I have been having issues with my available balance and overdraft fees. I use online mobile banking through WellsFargo because the text mobile banking is always inaccurate. Purchases made from Thursday to Sunday often do not appear until Tuesday at the earliest. Most are not shown as pending. They go directly to being posted transactions. Just yesterday, I transferred {$5.00} from my savings account because my checking was suddenly at {$0.00}. Today, my checking is negative, my savings is empty, and I was charged an overdraft fee. I believe they are adjusting not only the order in which purchases are posted, but they are not showing all pending transactions so my available amount is wrong. Which, in turn, causes overdraft fees.
Equifax provides credit monitoring as a result of previous data breaches. It is called the TRUSTED ID PROGRAM. I do not pay for a subscription. I review what they send because of the data breach. They have sent several NOTICES OF RECENT CREDIT ACTIVITY To me. It includes a login ( which I followed ) links to your account and shows for several items. It also includes assistance telephone numbers just for resolution. When you call the number you could extended series of options all of which have to do with purchasing additional products and none of which are directed at resolution. When you get a representative all they can do is give you another telephone number for the credit dispute department ( which any of us couldve gotten into seconds on the Internet anyway ) and offer a dial-in number for you. 
It is absolutely nothing but aggressive marketing disguised as warnings about identity theft. It is wrong. I have the notices that they sent me and can provide them.
I have written 2 letters to Experian ; 1 in XX/XX/XXXX & 1 in XX/XX/XXXX to have them remove numerous out dated accounts over 7yrs old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or 7 yrs in state of NY expired alleged debt are still on there.
My family and I keep getting calls from XXXX. 1st recovery, they are collecting on a supposed debt from 2011. I have asked them not to contact myself or my family and they keep calling my family members anyway.
I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day.
I'd like to receive written verification that I have a debt that was obtained directly with Enircle Collections per section 609 of the FCRA. To date, the company has not provided me with any agreement that I've made with them directly. Where is the validation of debt paper work that I have with Encircle Collections?
received collections notice from Allied Collections agency about ( XXXX ) medical bills. I received this notice on XXXX/XXXX/2015. The letter was dated XXXX/XXXX/2015. My attorney sent dispute letter to collection agency on XXXX/XXXX/2015 one day after I received it. I have attached that letter. They asked for verification and itemized details of the charges. This collections debt showed up on my credit report in XXXX and it showed that it was XXXX reported in XXXX 2015. They had never sent verification of the debt to my attorney before it showed on my credit report and still have not. Their illegal reporting of this debt damaged my credit score and credit rating.
Hello, AArgon collection is reporting that i owed {$680.00} on bureaus. I sent validation letter on XX/XX/XXXX to the address on file ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ). The letter came return. I concluded that they are reporting wrong address on my report so it need to be deleted. 

After doing some researches on XXXX, I found a new address ( XXXX XXXX   XXXX XXXX, XXXX XXXX, NV XXXX ). I send them a second letter on XX/XX/XXXX ( received XX/XX/XXXX ). I got a response sent to me onXX/XX/XXXX and I got it on XX/XX/XXXX.They failed to validate the debt, they did not send me a contract with my signature stating that I have an obligation to pay Aargon Agency XXXX 

I sent a 3rd letter on XX/XX/XXXX, they letter was received on XX/XX/XXXX. I request a validation of the debt again or simply Deletion of the derogatory item. On my report the account is now showing " closed '' instead of a deletion. I am requesting this item to be removed from my report for no validation. 

Also the amount report on my credit report is {$680.00}, in the letter the send me the amount $ mentioned is XXXX. This is an inaccuracy and is wrong reposting on my report. I am requesting a deletion of this item.
XX/XX/XXXX  - automatic  withdrawl was set up  with Navient to facilitate payment of mont hly payment.    XXXX    monthly payment of {$310.00} was taken out. The on  X/X/17  an additional {$9.00} was take n from the account   by Navient. This has not been the first time Navient has made unauthorized withdrawl from our account. This is why we cancelled prior automatic withdrawl agreement. This concern was brought to their attention when the new agreement was made. We were assured that this would not happen again.
If payment made manually and was late, my parents, who were co-signors would get up to 5-6 THREATENING calls/day. My parents have had to consult with lawyers due to nature AND FREQU  ENCY OF CALLS.
I paid off my loan, per my contract and I 'm being told I still have a balance of {$2800.00}. No 'knowledgeable ' explanation has been given and the company has not provided a statement to indicate what these additional charges are for. I 'm unable to obtain the title to the vehicle since they 're stating the balance is not paid in full. 
The loan was satisfied in XXXX 2016. Since then, the company has decided to give me a new account number with this new balance, which they are unjustifiably claiming. For starters, the APR this company has charged is ludicrous. However I did agree to those terms on the contract. These additional fee 's they 're claiming, I DID NOT agree too. If this company is claiming I did agree, I need documentation to support that claim and validate these additional fees.
They are collecting wrong information from a guy with exactly same name. What is worse, that guy was in a debt. And I even do not have access to look into my own credit report because they are using his information on my SSN. So when I was using my information to check, it shows my information does not match with their database. The stain on the background has resulted in big troubles for me when I was applying for an apartment and credit card.
I have sent Numerous notices to XXXX to delete the inaccurate accounts they could n't verify or Validate to me. This account is not mine & need to be delete from my credit report. Experian is causing me damages by reporting this negative account which is stopping me from moving forward in the world of commerce.
I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair.
Self Lender ( XXXX XXXX ) is showing a late payment on my account from XX/XX/2018 and this late payment have dropped my credit score about 40 points. I have never been late on my self lender account. Every month since I have gotten the account self lender automatically drafts the money out of my account so I was surprised that I got a late payment from them. That is almost impossible to happen if they are using the same account information every month to draft the payments. When I did contact Self lender about the reporting of a late payment on my credit they said that they tried to call me and left me a voicemail. That is a lie I have never received a call or voicemail from self lender. I check my voicemails everyday. My credit is so important to me if I had known that there could of been an issue with my account I would of done everything to fix it. I was never late on my self lender account. This company is very unprofessional and I would not be recommending them to anyone.
The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XXXX of XXXX. Made the regular payments and the account was in good standing until the last payment made on XXXX XXXX. I moved to a temporary residence of XXXX XXXX. I tried to negotiate the past due balance but the account was charged off three months later XXXX XXXX XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XXXX XXXX, XXXX, I received a communication letter from a debt collector. On XXXX XXXX, XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX  any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XXXX XXXX, XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXXk IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me XXXX the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
National Credit Systems of XXXX XXXX at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX at XXXX XXXX XXXX, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.
All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!
I get an account report with Experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around