WillisBack/dataset-financial-user-claim huggingface dataset:
I do not have a contract  with IQ. DATA INTERNATIONAL .I am not liable for co llection this debt fro m IQ DATA INTERNATIONAL. I am not respo nsible for this debt.     Desired Outcome : Correction to a credit report DELETE FROM CREDIT REPORT. they can not sell the debt to another agency, they will not disclose the information to any third party, they agree to delete from all   XXXX   credit bureaus, they agree to not post it as a settled account, and that the payment is accepted as payment in full.     As previously pointed out to you,  XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX  , defines  Verification as,   Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document that proves the accou nt ( s ) in  dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must hav  e 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the   XXXX   previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available   to m e ( Section 616 & 617 ) if you fail to comply with Federal Law.  I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.   In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Experian, XXXX and XXXX will post a a collection Agency 's 'collection ' on a consumers credit report without validating whether or not the Debt is valid. an assumption is made the Consumer is guilty and getting invalid debt collections off a report takes repeated efforts. Also, All XXXX credit reporting agencies, will allow a collection record that has been sold to another debt collection company to remain on the record even after dispute they generally will not remove the old record so the report contains XXXX records of the same debt allowing the scoring to be even more impacted. Our legal system maintains innocence until proven guilty given the priority given to credit scores and reports the above need to be fixed. Collection agencies have their place, however due diligence should be completed prior to any account showing up on a credit report. XXXX items just showed up on my credit report From XXXX XXXX and associates with XXXX different amounts that do not even look familiar to me. 
Legislation should be changed to give the presumed debtor the 30 day window to either validate or pay the debt prior to it hitting someones report. Assumptions are being made that the consumer was given that opportunity to question the debt and in many cases this is not correct. XXXX XXXX is notorious for placing things into collections 10 days after the XXXX was due and the entry is immediately placed on the the report has been hit and and mail arrives from the collection agency after the bill was paid.
I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX XXXX, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.
Experian continues to verify an account that is showing a repossession that is not correct. The account, XXXX XXXX XXXX, is showing it was repossessed in XXXX XXXX. I sent Experian proof, the title to the card, showing that the car was paid off and I held the title. They repeatedly claim their information is correct despite the proof that was sent. They are violating the FCRA and I would like to have the account removed from my report. XXXX and XXXX has accepted my proof and removed the account but Experian refuses to acknowledge anything I send them regarding this account.
I had a XXXX Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with XXXX.
My problem is, that Equifax and XXXX still reportng a loan that has 9-year 's old ( XXXX XXXX ). I would like to be removed. XXXX had them removed XXXX XXXX already, but not removed from the others.
I keep calling this company XXXX XXXX they are in house finance they keep playing with my credit they discriminate if they do not like you they will mess your credit up I keep paying and they report me diliquunt on my credit everytime if I call and explain they are roof and lie I cant believe them I have 11 creditors this is the only one I have issues with they are a living nightmare I cant get out if they are making me miserable I dont want to be reported as a bad person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i can go on no one does this I even get curtousey of removing a late fee once from them thats other cc but XXXX they are the a devil no warning nothing the day I made s payment was the day it was due no one said they already same day reported to credit bueru but they are in house they dont have to its a choice they will keep doing it if they dont like you then the lady threatened me to go to magistrate court if Im late again and harasses all my contacts I put in application is this legal
yes i cntacted capital one bank on my moms credit card????? about getting a hardship on the loan balance.were they redo the whole loan and get my monthly payments lowered. my lawyer sent them my power of attorney too them???? have not heard back from them too see if they got my power of attorney????? im XXXX XXXX her son.im her caregiver?????
In XX/XX/XXXX, my mortgage bank : XXXX sent me a written notice informing me that they have transferred my mortgage account which I have had with them since XXXX, to another bank : XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX provided me with a XXXX new account number : XXXX for me to use in my upcoming dealings with XXXX and to pay my next month 's mortgage. About a week ago, I received a notice from XXXX, a credit score maintenance entity, informing me that EQUIFAX has reduced my credit score. Upon my follow up with EQUIFAX, I found out that they listed my mortgage with XXXX as fully paid and therefore the mortgage account as a closed account, and according to EQUIFAX, such event resulted in lowering my credit score by 6 points! 
I contacted EQUIFAX right away and supplied them with all information showing I never paid off my mortgage and XXXX transfer of my mortgage account to another loan servicing entity ; I also provided them with the new account number of XXXX ( XXXX ). Im yet to know the result of EQUIFAXs follow up investigation. 
Since I have never paid off my mortgage, the mortgage account could not possibly had been closed as claimed by EQUIFAX, and as such EQUIFAX must correct its incorrect records to reflect the internal transfer made by XXXX   which I had nothing do with, and which according to EQUIFAX, affects my credit score negatively.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX  XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX  ) XXXX  XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Debt possibly resulted from identity theft as HRRG claims they are the servicing agent for a physicians group called XXXX XXXX XXXX that supposedly provides ER doctors for XXXX XXXX Hospital, which in reality they do not. Another physician group provides those services and another collection agency services that group, not HRRG. I made a mistake by giving this HRRG the last XXXX digits of my Social Security Number, as I had thought initially that this was a legitimate collection agency and/or company. They are trying to collect {$1100.00} on a date that services were provided by XXXX XXXX Hospital ER and they claim they are acting as the physicians clearing house for filing medical claims as well as a collection company for their clients. HRRG claims they filed insurance claims with both XXXX and XXXX XXXX insurance, insurance I do n't even own, and the claims were both denied and now they are attempting to collect a debt, that I do not owe. I have contacted every medical company and group involved in this claim and none of them do business with HRRG and none of them use HRRG for collection. XXXX XXXX Hospital billing department has never heard of them or used them. This is a bogus fraudulent claim and a scam and these people need to be shut down and go to jail.
On XXXX/XXXX/2016 I submitted a debit card dispute from my XXXX purchase in XXXX, XXXX. When I got home from XXXX, I read about all these XXXX scams in XXXX-where I purchased from their factory. I read articles that jade is enhanced for mass production and called XXXX and there is no way to tell if the jade is real or not. No one in my XXXX group bought any jade. Only I made a purchase at the jade factory in XXXX. I was concerned that I 'd been taken for granted by my tour company-who admitted that the tour guide was no professional. Now that I got back from XXXX, XXXX, I realize even more that emeralds are a form of jade. And emeralds have to be very dark and polished to be considered a precious stone that is worth the money I paid. When I hold the jade pendant up to the light, you can see through it. That 's not real emeralds or jade. Rep, XXXX XXXX, gave me a temporary credit. Now USAA wants their money back and USAA knows I am traveling again overseas to XXXX because U go through their USAA Explore and TRavel Agency in XXXX, AZ. I feel USAA is retaliating against me for complaining and closing my bank accounts. I closed them because of the fraud charge from XXXX/XXXX/2016 that was not resolved and I felt was an inside job at USAA. I attached the proof that USAA wants their money back but can not find the merchant 's rebuttal. In fact, I can guarantee that USAA ( who usually only has ten business days from the date of the dispute ) is retaliating against me. It makes me very angry. I 'm afraid USAA will re-open my account to make me pay for the {$110.00}. I believe I argued for less but XXXX or XXXX wanted me to get all my money back. THey exceeded their ten business days investigation.
I have sent in 2 dispute letters to Transunion on XXXX XXXX and on XXXX XXXX to dispute two bankruptcies reference XXXX, XXXX, and a tax lien reference XXXX that are not mine and do not belong to me. I asked them to provide proof that these were my accounts and they have fail to do so both times. The response I received from them is that they are valid and updated, but they have failed to provide me with proof or a name of the person who verified the debt. I do not know where these judgments have originally been identified from and due to this Transunion have violated the Fair Credit Reporting Act ( FCRA ). According to the Clerks Office of The United States Bankruptcy Court ( XXXX XXXX of GA-XXXX XXXX ), the US Bankruptcy Court does NOT send, furnish or report any information to credit bureaus nor does it know the procedure and process of said agencies. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature With that being said, I find it very hard to believe that this information was verified. If the above accounts are not verified they need to be deleted. Transunion is breaking the law by allowing erroneous information to be on consumers credit report without verifying it. My last dispute was responded too within a week, I find it hard to believe that any research was done to verify in a week with no proven documentation.
Fraud occurred on my credit card, so I filed a report and closed my account. I called the credit card company and the matter was supposedly resolved. However, I continue to receive monthly bills. At first, the charges were for interest, which I paid. XXXX statement the balance for these fees was minimal. The XXXX statement the balance shot up to {$150.00} and there is no indication on the statement about where/how these charges arise. I have been in contact with this company for the past 6 months trying to resolve this issue. They continue to charge me for nothing. I should have zero balance on a closed credit account whose fees/interest had already been paid off.
RE : XXXX & TransUnion Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. XXXX is also showing a debt to some debt collector agency neither XXXX nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, XXXX XXXX
HelloMy name is XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX this past XXXX. When I purchased the car I put {$600.00} down and I was financed by Credit Acceptance which is located in XXXX, XXXX. I agreed to pay {$250.00} every month and I gave them XXXX references with all there contact information. I recently had a family emergency and I had to fly to XXXX, I was only there for XXXX days and when I came back I received a call from XXXX XXXX telling me to come to his office because my license plates arrived. This was about XXXX weeks ago and he put my plates on himself but a XXXX later my car was repoed without warning! I never received a phone call or an email neither have any of my references that I left for them. When I called them they told me that the automatic payment system they put me on was blocked by my prepaid card? I normally call to make my payments anyways but with all that I had going on I really wish I would have received a phone call or warning before it was repoed. Now when I called Credit Acceptance they told me my car was moved to XXXX, XXXX which is about XXXX miles away from where I live. After trying to make sense of everything with them over the phone it was obvious that I am dealing with greedy morally incorrect XXXX who did n't care about my issue. However they did tell me if I paid the repo fee and my week behind payment I could pick my car up today in XXXX. After paying them a total of {$540.00} the lady then told me my car was not in XXXX, XXXX but it was moved to XXXX, XXXX! I have been pushed around enough and lied to I am an XXXX Veteran and to be treated like this is very disrespectful and hurtful! My neighbors all saw the man repo my car and saw me try to reason with him because I thought it was a mistake! I am very embarrassed about the whole situation and I just want my car back so I can get to work. According to them I can pick up my car Monday in XXXX, XXXX, I will be taking a train and walking the rest of the way hopefully they will be honest about XXXX thing through this whole ordeal. I am not sure if there are any laws against what they have done if not I would just like the world to know how heartless they are and how they treated this Veteran! My phone number is XXXX, my email address is XXXXXXXXXXXX, Credit Acceptance 's number is XXXX. 
Thank you for you time!
On XXXX/XXXX/15 we submitted a complaint against Statebridge Company for violating the rules pertaining to prompt-payment crediting to a consumers account. In response to that complaint Case # XXXX Statebridge submitted a fraudulent document to the CFPB. This document is unsigned and has never been seen by or sent to XXXX XXXX XXXX XXXX This alleged " Modification Agreement '' is a fraudulent document and was invented and produced for the purposes to mislead the CFPB in their investigation. We believe the there should be a criminal investigation in regards to this submission of this fraudulent document. If this document is authentic Statebridge should produce a signed copy showing XXXX XXXX signature on this document. 

CFPB PLEASE SEE EXHIBITS FAXED DOCS FAXED TO XXXX
I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually Ocwen called onXX/XX/2018, that our monthly payments went higher than when was originated. Along with my husband, who is now XXXX, have been attempted to modify our loan through Ocwen Loan Servicing, LLC, while seemingly trying to modify our loan, at the same time, Ocwen are trying to foreclose our property. It is our assertion that Ocwen have not dealt with us in good faith.
I have disputed the error of XXXX XXXXXXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX  hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
XX/XX/2018 I received a garnishment notice from my work and they are taking XXXX or more a month. Almost half my checks gone after paying them and taxes. 

Its a garnishmemt through XXXX county courts.
I have sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files
Diversified collections contacted me around XXXX 2014 notifing me that they had obtained there information from XXXX XXXX XXXX XXXX. I advised them that I had told XXXX XXXX XXXX that I would pay the account off in full when I received my income tax in XXXX and that since they had the account now that I would do the same. I made several {$25.00} payments to them and did pay the account off, the agreed amount with my income tax. They told me that once it was paid off that I could submit in writing to them via fax that I would like it removed from my credit bureau report as a deletion. I did so in XXXX around the XXXX and also called to make sure they received my fax. I was told that a supervisor had it and they would be in contact with me. Several weeks went by with no call from them. When I called again around the XXXX of XXXX was told that this could not be done and I would have to take it up with the credit bureau 's my self and dispute.
I tried to pay my student loan in full with Great Lakes on the due date of XX/XX/XXXX in the amount of {$13000.00} by phone. The phone payment computer was not working and it finally took my payment on XX/XX/XXXX using an agent. Instead of a XXXX -XXXX- balance, I am being billed for a {$51.00} balance plus interest since XX/XX/XXXX. Great Lakes is only posting my payment in full ( {$13000.00} ) as am " Amount Paid Ahead '' causing me to incur interest. The customer service representative told me that I must still pay daily interest even though I paid in full. This disputed balance is being reported on my credit report. The technical difficulty in accepting payment was caused by Great Lakes. It is outrageous for someone to have their credit crippled due to Great Lakes error. Especially with the payment of {$13000.00} in one lump sum having been made.