WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a collection agency to validate and I only received a letter with dates which are not accurate. I need actual verification which was requested and not received. Please help assist me.
On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there.
My complaint is with  XXXX   XXXX  apartments. They have my credit report down with an eviction. They are saying I was on the lease when they tried to evict my father. My name and social should n't have even been on it considering I did n't sign the lease until after I moved in with parents. Now they are trying to nail me with an eviction that I was n't a part of. I need this fixed because it is messing up me trying to get into an apartment.     Since I was n't even on the list to begin with. It should have been under  XXXX   XXXX . Not  XXXX   XXXX .
I have an XXXX XXXX account and Chase bank will not update my current balance in my account ... Which leads to it still saying I can not cash out because my balance is too low, which is incorrect now since I just got paid, it 's just chase has n't updated that yet.
In XX/XX/2018, I started receiving prepaid credit card offers to my house from Capital One for a person who does not reside here. I contacted them on social media and told them how dangerous that was for this person 's identity. They instructed me to go to their website and opt out. 

I opted out twice. Once in XX/XX/2018 and again in XX/XX/2018 because these letters keep coming. I even called my attorney who said to file this complaint because talking to Capital One on multiple occasions has done nothing. 

As someone who has had their identity stolen before, I can not tell you how dangerous this is for the person receiving these offers to my house. I hope you can fine them or stop them cause they are an awful company with no regard for consumers.
Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX .This is Fraud ... someone stealing my name applying for stuff in my name
I have disputed twice already and they have not provide me with any information neither the creditors are able to provide me with verification. This accounst must be deleted immediately.
I was recently contacted back in XX/XX/XXXX by a debt collection agency by the name of XXXX. The male representative was very adamant and convincing that this was my debt. He went on to tell me that failure to comply and make payments would result in me being sued and having my check garnished. I immediately got frightened. I'm a XXXX XXXX and live off my tips so the thought of my check being garnished had me alarmed especially when I just XXXX XXXX. The representative went on to say that I had a credit card through Bank of America and I owed them over {$1400.00}. Me not aware of what was being reported on my credit report at the time and not taking the time to realize that I never applied for a Bank of America credit card, I agreed to make a monthly payment every month towards the balance. I have currently still been making monthly payments up until last month. Just recently I contacted Bank of America something I should have been done and discovered that this account was a charged off account and that it was open in XX/XX/XXXX. I  am a victim of identity theft. I spoke with a representative from Bank of America and she informed me that there was no balance owed on this credit card account and that they did not sell this account to any debt collector agency. She said this account was past the 7 year mark and that I shouldn't had been making any payments. She said that there were no second or third party companies involved nor did they sell my account to a debt collection agency.
I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Santander Consumer USA has been taking monthly payments out of my checking account for payment on my RV for over 10 years. The last payment was due on XXXX XXXX, 2017. I received the monthly invoice/statement like normal for the last amount due and noted that it was a few dollars less than the past amounts. There was no indication that I needed to send them a payment. On the week of XXXX XXXX, 2017, they started calling me. On XXXX XXXX, 2017, at around XXXX they got me at home and told me I had to send the last payment in and because I was late with payment there would be an additional {$3.00} of interest. I did not consider this to be my problem, but their problem for not letting me know I should have paid them by check instead of having them take the money out of my account. I asked to speak with a manager and did not get anywhere with them on the disagreement.
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.
I have a loan with GARMAN FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and GARMAN FIN with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS.

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to XXXX of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX Services of XXXX XXXX XXXX XXXX
Credit use was accessed thru someone that i lived with. This XXXX Bank credit card use was fraudulent ( not authorized by myself ).
I have been xperiencing outages with Bluebird.com since XX/XX/2018. Customers are unable to take out cash, access their paychecks or other direct deposit funds, access other funds weve attempted to load, make purchases, or get accurate balance information. Again, in XX/XX/2018 these outages have been ongoing for more than 6 days. Customer service reps have been difficult to reach or non-responsive. Tomorrow is XXXX and I am unable to check my account balance for my direct deposit nor make any transfers due to the outage which persists on their website and mobile app. When logging the page just continues to load then returns an error. I realized Im not the only customer experiencing this problem after checking XXXX
CRA VIOLATION. WERE DISPUTED WITH TRANSUNION ON XX/XX/2018. I DID NOT RECEIVED ANY DOCUMENT BACK AFTER 30 DAYS. THAT IS A SERIOUS VIOLATION.
Recently, my credit report had an unpaid collections report from Hunter Warfield Inc. XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. They state that I owed XXXX. I have told them and the XXXX that they bought the account from ( XXXX XXXX ) that I have never had any business interactions with XXXX XXXX. I invited XXXX XXXX to send the information to me by mail and they refused to do so. I also invited Hunter Warfield to send the information to me by mail and they also have failed to do so. Because of Consumer Fraud risk, I do n't give out personal information on the phone nor do I pay a bill just because someone thinks that I owe it. Engaging one in a conversation about a nonexistent bill is a perfect way to get personal information from one who is unsuspecting. I told XXXX XXXX to send the information to me in the mail approx. 10 times. To date I have received no information. To my knowledge I have never interacted with them for any purpose let alone a business purpose. If they or Hunter Warfield, Inc have sent information to you indicating that I owe them money, I fear that this is fraudulent since I have never been sent documentation showing that I owe them money. Please have this item removed from my credit report ASAP. Thank you.
I got injured by a car accident and the person never paid my medical bill and he was supposed to paid because he hit my car so now the want to charge me the money and I can pay it now because I have an XXXX son and my financial situation is not the best because of that. Please remove it from my credit report because I am trying to buy a house for my child and the other persons are responsible for. Thanks
This are the new complaint on the lies by XXXX XXXX on complaints ending on XXXX/XXXX/XXXX. On the letter you stated that the bank took a loss of {$1800.00} that was a lie because very simple that amount was taken out of my checking account balance. 
2- The claim XXXX was never closed by the bank and it is still open. 
3- A debit card is not an account and according to customer support debit cards were cancelled on XX/XX/XXXX and they never replaced it or I received it or activated.if it states that the account was closed they are refering to the checking or savings account related to the debit card. 
4- The withdrawls that took place on XX/XX/XXXX over the counter for {$600.00} and the over the counter {$2100.00} and the {$1.00} on XX/XX/XXXX why a {$1.00} on same date and teller counter that is definatley a lie account ending on XXXX. You stated that the bank confirmed it was done with a drivers license that was used as I.D . and that it was on all three transaction a debit card ending on XXXX was used as I.D . never had this debit card period. NO CONFIRMATION OF ANY TYPE ALL IT SHOWS IS ( GA TLR WITHDRAWLS ON INDICATION OF ANYTHING AT ALL AND THAT IS WHY IT IS AS PART OF THE FRAUD THAT HAD TAKEN PLACE. 
5- I have reviewed all statements on accts and there were no indications or confirmations of any type on all withdraws that took place onXX/XX/XXXX and XX/XX/XXXX including a debit card ending on XXXX and it is my proof of the fraud that had taken place there was never any teller counter withdraws by me period in all statements of my accounts. IN ADDITION YOU CAN SEE ALL THE TYPES OF TRANSFERED FROM MY CHECKING ACCOUNT XXXX TO THE XXXX in the past and what has taken place is that you the bank confirmed that there was fraud and actually verified it with letter dated XX/XX/XXXX. therefore this is very simple confimation that all I needed to do was just go on internet or call customer support and just transfer all amounts available on the account XXXX to my XXXX where I had my directs deposits and had it for quite a while. So all transactions that took place on XX/XX/XXXX and XX/XX/XXXX were all done by the bank personnel or whom ever did all previous fraud transactions.
All my payments to Wells Fargo Have been on time and they marked my account 30-59 days late destroying my credit by XXXX points I called them and they stated they could do nothing so I am doing this..
Our mortgage was recently sold to Select Portfolio Servicing, inc. We had XXXX which sold our mortgage to Select Portfolio. We had XXXX XXXX which was renamed to XXXX because of the complaints coming in because of their intimidation toward their customers. 

Select Portfolio Servicing was calling our home when our payment was not even late. It was not past 30 days at all. We are now receiving letters stating we are late and trying to state that our loan is in jeopardy and I have already paid it. This letter was received XX/XX/XXXX. 

I told them when they called, do not call me again. Today, we received this letter, when the mortgage was paid. 

These mortgage companies are harassing their customers when they have never been late. This has to be against the law. We have never been late by 30 days ever. This harassment by these mortgage holders has to STOP. 

By law, they should not have the right to intimidate!
I FILED CHAPTER   XXXX   IN  XXXX . AFTER 7 YEARS  XXXX  AND  XXXX  REMOVED FROM MY CREDIT FILE. IN  XXXX  AT THE 7TH YEAR MARK EQUIFAX PLACED ON MY CREDIT FILE AFTER 7 YEARS OF NOT REPORTING. I ASKED FOR THEM TO REMOVE THEY STATED WILL STAY ON FOR 10 YEARS. WHILE THE OTHER   XXXX   BUREAUS HAVE REMOVED FROM MY CREDIT FILE
XX/XX/2018 I tried to get a temporary release of a freeze on my credit report with Equifax. 
It took XXXX or XXXX tries over XXXX minutes or so on their website to get to a pdf with the release code. The one time pdf did not open. I was asked on the webpage to call a number. 

After several questions, I was asked to submit ID by mail. I asked to speak to a supervisor. After XXXX min on hold, I worked through the same list of questions again and was told " I passed '' and that they would send on something - whereupon they cut off the call. 

After XXXX or so minutes of my time wasted by incompetence, I still don't have the temporary pin to release the credit freeze. 

For comparison, the process with XXXX on their website took about less than XXXX minutes total.
Nation star is refusing to investigate anything properly or verify anything because if they verified or actually did a proper investigation on remic with the security exchange commission on XXXX reperforming loan remic trust certificate series XXXX. So as shown by Nation star mortgage a official United States Security Exchange Commission document is invalid. Can anyone in Nation star mortgage actually read the documents and do research instead of copy and pasting documents? Can any one in nation star mortgage actually provide us with the actual correct documents we asked for and quit providing the same documents we provide to them right back to us? It is perfectly clear that nation star mortgage is on purpose refusing to actually investigate all documents provided by us and refusing to provide what we ask for sayin internal use only. Also you can reference control numbers but not look at what was provided for the control number and give us a automatic response without actually reading all information provided why? Also how can you hold a loan modification from XXXX in 2003 when it was all executed by XXXX XXXX XXXX after the took over XXXX?
Hello, i recently seen a collection on my credit report under Medical data systems inc, i disputed the collection with all XXXX credit bureus and never recieved validation, i also sent Hippa letter and validation letter to Medical data systems but never recieved responce, however the collection remains on my report.This is false practice and they are violating my Hippa rights
I had a payment due to XXXX XXXX on XXXX. I initiated a payment ( which cleared on XXXX ) however they reported that the card was over the limit, however had the payment not been on hold it would have never been over the limit on the reporting day. I contacted the company and all three bureaus with no assistance.
I was shocked when reviewing my credit report and found a late payment on the date below : 30  days late as of XX/XX/2017 I am not sure how this occurred. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. 
See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 
2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 
3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. 

I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.
I applied for an increase in my credit limit with Chase Slate Credit card. The amount was approved for XXXX. Several months later, I noticed my credit card limit was only XXXX. When I called they told me the credit limit was temporary. They never once informed of this in the initial phone call. Now my debt to asset ratio is horrible and I'm nearly XXXX over my credit limit. This has caused me great harm with my credit and I should not be punished for their failure to inform me something. I never had a late payment. All my payments were made way ahead of schedule. This is absolutely awful if they are able to get away with this.
I took a mortgage about 1.5 years ago and was told that when the mortgage reached 80 % loan to value that I could remove the mortgage insurance. The appraised value of the home that the mortgage was based off of was {$140000.00}. 80 % of {$140000.00} is {$110000.00} which we are extremely close to. I have intentions of making a principle payment to bring the balance below the {$110000.00} threshold. I put in a request to the bank for written conformation before I make the principle payment because I know how shady banks can be. Well to no surprise they are now trying to change what I was told and claim that the 80 % is based off the purchase price. I 'm sorry but I disagree. The value of the home is the appraised value that the loan was based off of not the loan amount. These were the terms I agreed to and I would like the bank to honor them or the contract is in default. I have documents from the bank stating PMI can be removed at 80 % of the original value of the property.
This is a case of mortgage fraud. This was a mortgage refinance that took place on XX/XX/XXXX. The " closing '' did not have a notary present at the location in XXXX, NJ. The person who notarized the paperwork did so at a later time and did NOT ever meet or witness my or my wife 's signatures. One of the forms was notarized and we NEVER saw or signed the form for the NY XXXX. I tried in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently in XX/XX/XXXX to modify the terms of the mortgage. Only this last attempt did I ever receive a letter in writing. Thank you for your consideration.
This is XXXX XXXX XXXX Credit card account holder # XXXX company name is XXXX XXXX Ring XXXX XXXX. 
I closed that account back in XX/XX/2018 .payment was mad by transferred the balance to another account. Right before the transaction done it was due date, then I paid {$100.00} to avoid late fee until the transferred done. 
I contacted that company more than six times requesting refund for my extra payment of {$100.00}. But never issued by the company. I called today again XX/XX/2018 i was unable to be lucky enough to resolve the refund but instate i was talking to a representative her name was XXXX XXXX she was fully disrespecting me or mu spouse over the phone. two times talking to their supervisors but no progross to get our refund of {$100.00} please help us my Phone number is XXXX
i was trying to remove a security freeze on done with Experian. 
for some reason their web site rejected my request ( even so i was able to do it in XXXX 2015 ) when trying to upload requested document - i was rejected as well. 
there is no way to contact with Experian and get someone to talk with me on the phone and solve the issue, their system is not enable fixing issues like the above which cause consumer to lose financial opportunists
XXXX XXXX XXXX XXXX has failed to provide documentation and proper accounting for payment of their services. We transferred monies to them on XXXX/XXXX/2015 for two months of service. They show on their bill that they canceled this payment, and subsequently charged us for three months of service following their " cancellation ''. In order to prevent interuption of service I paid the entirity of the bill, totaling five months of service for three months. They have failed to return us said monies, for two months of service, and can not account for where this money is. Thusly, they have violated Regulation E of Title 12 of set forth in the CFR.
I had a insurance check that I deposited in my TD Bank checking account and once it cleared I transferred the money to my TD Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted TD Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.