WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX According to the Fair Credit Reporting Act, 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 the 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 accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   UNKNOWN CHARGE OFF ACCOUNT * Please remove all non-account holding inquiries over 30 days old. 
IN ADDITION THIS COMPANY IS DOUBLE JEOPARDY-ING ME AND BOUNCING THE ACCOUNT AROUND ALL 3 BUREAUS TO BE EVEN MORE UNSCRUPULOUS Thank You, XXXX XXXX XXXX
I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On the dates above it says that my accounts were closed. I have only ever signed up for that card 1 time but according to my credit report I have had 3 separate accounts with them. My card was also closed without my knowledge.
To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. 

We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. 

We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. 

Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : XXXX XXXX
Chase g ave me  a Tax Year   XX/XX/XXXX Form  XXXX .  <P/> I filed and paid taxes on {$13000.00} in which ; I owed less than {$13000.00}.  <P/>  XX/XX/XXXX   XXXX   XXXX  ( est ) I spoke with "  XXXX  ''  of Chase co ncerning form  XXXX . I asked, " Is this what I should be receiving? ''  XXXX  told me, " call back next week. ''  XX/XX/XXXX  I called back  XXXX . I spoke with  XXXX   XXXX  concerning form  XXXX  " Is this what I should be receiving? ''  XXXX   XXXX  submitted a work order.  <P/>  XX/XX/XXXX  I called back and spoke with  XXXX   XXXX ,  Senior Service Specialty.   XXXX   XXXX  said, " Yes, I should have received form  XXXX  '' I stated, " I have continued to make my payments and I sent a form requesting my account to stay open ''.  XXXX   XXXX  said, " I should continue to make payments if, I want to keep my home but,  XXXX  do not have to accept my request. ''  XXXX   XXXX  then turned my call over to  XXXX   XXXX .  <P/>  XXXX   XXXX  said, " I was flagged bankruptcy interest. ''  XXXX   XXXX  then turned my call over to Account Service  XXXX   XXXX   (  or  XXXX   )  to request  XXXX  amended adjustment current principle.  <P/> I have continued to make regular on time payments t o Chase.  Last payment sent was  XX/XX/XXXX .  <P/>  XX/XX/XXXX  I received a noticed.  Chase has cha nged my line of credit account number and I am to send payments to a " new account number '' starting in  XX/XX/XXXX .  <P/> Is this an attempt to violate federal consumer financial laws?
XX/XX/XXXX Midwest Recovery Systems contacted me saying I owed a bad debt of {$770.00}. This is not my account and I have never used XXXX XXXX XXXX from which this original debt is reported. Midwest Recovery contacted me on XX/XX/XXXX to collect a debt from XXXX XXXXXXXX XXXX with the date of XX/XX/XXXX for the last activity on the account. I have contacted XXXX XXXX XXXX on XX/XX/XXXX to find out what account number and name they have associated with this account. They reported that they did not keep records of accounts after it goes to a third party collection agency. The fact that this was not ever reported on my credit report until XX/XX/XXXX and the fact that neither Midwest Recovery nor XXXX XXXXXXXX XXXX can give me an account number or an original loan amount seems very suspicious. With no information sent to me to collect a debt, Midwest Recovery placed this bad debt on my credit report. I have also looked at my entire bank records during the time mentioned and have found no payments to XXXX XXXXXXXX XXXX. I have read other reviews on this same Midwest Recovery Systems company and they all have similar stories. At the same time, I am trying to get a mortgage and this has negatively affected my credit score. The company hopes you will just pay the debt and forget about it. This is a scam and more severe action must be done to punish this company for their illegal practice.
I have also had problems with Navient and I am glad to see that students are having the same issues and I am not the only out here being spoken to on the phone with them negatively. I have tried making a payment arrangements that would work for me at the time Which was to pay of XXXX and asked if I could pay XXXX because I am paid bi-weekly. They said no and that I needed to either pay in full or pay around XXXX dollars. I have tried getting back into college and I have been out of school since XX/XX/2013 season. I hate that I am pushing my education back because of a fault on my account. I was sick and when I left my university ( XXXX XXXX University ) in XXXX Michigan. So eventually went home to XXXX to try to finish but couldnt get back in the groove because of finances. Maybe something with change and Ill be able to go back to school and study.

On XXXX I had seen a sponsor ad that said Navient had a lawsuit against them and read the article about CFPB and Navient. This is the reason I reached out at the time I did. This is a serious complaint and this situation should no be taken lightly.
I notice on XX/XX/XXXX, that US Bank were charging an Annual Fee, the Bank claims my card has annual membership fee {$49.00}. I contacted bank regarding such fees. I stated, I show no record of signing any such agreement with US Bank. I requested a copy of original credit card application executed on or about XX/XX/XXXX, the banks representative refuses to provided copy of same with my signature demonstrating the terms and condition I agreed regarding such fees for {$49.00} Annual Fee. I stated all my current cards are no fees, I requested to speak with a manager or supervisor, the representative refuse claiming she is the manager. I would never agree to a credit card terms and condition with annual fees. Such terms should be disclosed in writing on the credit card application or promotions.
The collection agency is attempting to collect on a debt that is the result of goods not received. Please see attached letter explaining my position.
FBC Mortgage ( serviced through XXXX ) is taking my home away through a foreclosure sale on XX/XX/2019, even though they have failed to review my loan for retention options. I am a XXXX veteran on a fixed income who fell behind on my mortgage when I lost some of my benefits. When I contacted FBC Mortgage/XXXX, they said there was nothing I could do except to pay the full past due amount. This is impossible and I thought that they had to help me keep my home. They are short and rude with me on the phone and there isnt anything I can do to change their minds. I have never had a single point of contact and I need some help with them to stop the sale date and initiate a review for mortgage assistance. I did not survive my combat tours in XXXX to become a homeless veteran. I am hoping your agency can help turn things around and get them to work with me instead of taking my home away.
Equifax listed three key factors that adversely affected my credit score ; two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

XXXX  and XXXX listed these factors as well. 

Please advise.
I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XX/XX/XXXX so its showing up 22 times on my credit report because I have more than one loan with XXXX. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XX/XX/XXXX. So if my account was bought current and back dated to XX/XX/XXXX then how can there be late payments posted for XXXX and XX/XX/XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at XXXX has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XX/XX/XXXX. 

I also spoke to an advisor at XXXX and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.
Was having a problem paying house payment because of work and medical and got behind on payments and needed some relief and to lower our payments and keep our house, So we tried to work out something with our lender Chase and they finally said they have worked something out on a modified loan. We were never told it was a 50 year loan never knew you could go over 30 years. they never pointed that out or made us aware that the loan was a 50 years loan. We would have never known if I had not seen that the Haarp program was available and it was running out and I got on line and applied. I was told that it was a 50 year loan. We would have never signed up for a 50 year loan it's disgraceful and what really got me was the Haarp company that got with us told me that it was a 50 year loan and since I was a XXXX Veteran, they could go with a VA loan for 30 years and lower my payment by well over a {$100.00} a month and wondered why didn't Chase do this instead of sneaking a 50 year loan on me and still keep my payments high. I could not answer the question myself and would love to know the answer and Chase never told me I had a 50 year loan and feel that they have taken advantage of me for years, I am a XXXX veteran   and live on a fixed budget and how can I be qualified for a 30 year loan and lower my payment greatly with another company and chase has me on a 50 year loan and a much higher payment. They drug everything out and took forever working their modified loan out and when we were desperate and thought we were going to be put out they hit us with a 50 year loan and never told us, when they could or should have been able to go through the VA and help us out with a 30 year or less loan and lowered our payment. They were not interested in us only how much money they could rip off from us thought there was a fair housing standard and trusted them. I guess this is what the country has come to greedy companies getting bailouts from the government with my taxes and screwing the American homeowners. So tell me how can I get a loan half the term with lower payments with the VA or Haarp program. Theses have been around for years they had the information. A 50 years loan and not telling you in this country that Has to be illegal,
I have a so called " Personal Service Loan '' with XXXX. It was opened in XX/XX/XXXX. In XX/XX/XXXX, my relationship with XXXX was terminated and my accounts, including this loan, were closed. For the first few months after account closure, I was not receiving statements. I do now receive statements, but often times weeks after the date the statements indicate they were mailed. 

At that time, XXXX was incorrectly listing my account as a revolving credit line. Sometime around XX/XX/XXXX, I disputed it with Equifax. Equifax completed the dispute and reclassified it as an installment loan ( see attached credit report dated XX/XX/XXXX ). Up until today, XX/XX/XXXX, this account was always classified as a CLOSED installment account. When I checked my report today, much to my surprise this account is now listed as an OPENED revolving account with a XXXX late notation. Not only is this account misclassified, something that was initially changed through dispute procedure has been changed without informing me of this change, a violation of FCRA. 

In addition, this account has never been XXXX+ days past due. The minimum payment due on this CLOSED account is {$550.00}. On XX/XX/XXXX, there was a payment made in the amount of {$600.00} -- {$45.00} more than required. In order for that payment to have been deemed late, it would have had to be received after XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of {$500.00}. Together with the overpayment from XX/XX/XXXX, the total payment made was {$540.00}, which is more than the {$520.00} that was due for that period. However, XXXX is now indicating that my account is {$20.00} past due more than XXXX days. That is not the case. I would never allow a negative entry to be made on my credit report over such a miniscule amount like {$20.00}. Also, I would point out that the payment key on the account indicates as current status.
I paid off the mortgage by refinancing on the XXXX of the month. I should get credit for the interest from the XXXX to the end of the month as well as the additional month of interest paid. The mortgage company also charged me 2 months of mortgage insurance in addition to the current month. I called the mortgage company to ask for the refund and they asked me to send them in writing. I sent a certified letter asking for the refund or send me an explanation of their calculation and they did not answer.
Seterus Mortgage Company tacks on a XXXX Hazard Home Insurance on my mortgage even though I have XXXX insurances on my home. XXXX with XXXX through the HoA for the outside walls and XXXX with XXXX XXXX that I have for the interior items. We have been faxing them documents for the past XXXX months. I called them last week, they said they got it, but they needed some more information. They do n't bother to call and tell me anything. Same thing happened a XXXX ago. Last year it took XXXX months to remove this added insurance and refund it to my mortgage. This year its now been XXXX months, so I have to pay extra every month so I do n't have late fees or late on my credit score.
First Community Mortgage paid my county real estate taxes late resulting in a late fee + interest payment of {$440.00}. When I called them the customer service rep on the phone acted like it was my fault even though I have an escrow account. This has blemished our public record on the public XXXX County website for anyone to see that looks our property up online and may have put a blemish on our credit.
Since XXXX XXXX, 2016 Commonwealth Financial Systems tried to collect {$410.00} of erroneous " medical '' debt I do not owe. I disputed the accuracy of their listing on my credit reports and they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I told them as per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification.
EQuifax you are the only one still reporting this account the other credit companies have remove this account.XXXX XXXX XXXX this is not my account your report states closed XXXX, bal XXXX  min monthly payment XXXX still shows reporting of payments, last payment -- -- -, amount past due XXXX, worst payment no info, i contacted XXXX XXXX XXXX  they state the only thing they had was a credit card was sent to my address { I request a Copy of signature that it was signed for here at this address never responded it, even a return receipt with a signature no response they state it was sent by regular mail, Nothing show an actual signed contract with my wet ink signature on it from XXXX XXXX XXXX or remove it at once like the other credit companies have .AnFCRA 623,
I was contacted repeatedly and harassed to the point of tears by an agency trying to collect on a cc debt from 1997. I honestly do n't know what they are referring to, but when I said I would need to speak to a lawyer, the woman accused me of fraud and said they would sue me and garnish my wages immediately. That it was too late for a lawyer and that I needed to make a promissory payment to stop the lawsuit. I told her I do n't know what she 's talking about, but she had my social security number and said it was my debt. that I owed over $ XXXX but they would settle at {$3800.00}. And that they would only settle if I made a payment that same day. That the judge " will laugh '' at me and it was too late to get legal counsel. That they were already " in the XXXX courts system '' and I would have to pay the full amount they are already in the court system suing me for if I did n't make a payment of some sort immediately. They scared me into tears ( especially since I was n't sure about what they were referring to ). I asked if they could send me a written explanation and she said " it 's too late for that, honey. '' And that I had to pay or they would put a lien on my bank account immediately. I was shaking and stressed ( especially because I am a single mother and student with limited income ) and they threatened me into compliance. They said I needed to take a loan out on my XXXX and if I was unable to do so, that I needed to send them a copy of the denial letter from the bank otherwise the case would continue in court. Because at that point I was completely unaware of my rights, and because I definitely do n't have $ XXXX to dish out on some obscure debt attached to my social security number, I authorized a {$300.00} payment just to buy time, get my bearings and contact a lawyer. Once I spoke with a knowledgeable person, I immediately put a stop of payment and realized that their whole operation is clearly a scam. I am taken aback at their skillful tactics in convincing me I had no choice and I was bound to a debt I have no recollection about. If indeed there is a debt from 20 years ago, it is way out of the statute of limitations to collect at this point. They have not received any payment from me, as I put a stop of payment immediately as well as closing my bank account so they do n't illegally withdraw money. I sent a certified letter asking them to stop harassing me. I 've also told them on the phone since then to stop calling me but they keep calling!! I keep blocking their calls from multiple lines, but apparently they have many lines they can call from. They caused a good week of tears and sleepless nights because I could n't believe how aggressive and manipulative they are. And I am still dealing with them because they wo n't stop calling! I have no idea what this debt is. It 's XXXX years old and I would really appreciate if you were to investigate this super shady basement operation they have going on. I have screenshots of their multiple calls made after I told them to stop. I can send them to you if you wish. Thank you very much.
There is a debt collection falsely reporting under the name ( s ) XXXX XXXX, Resurgent Cap and XXXX XXXX C/O Resurgent Capital Services. This account should be removed from each CRA ( Credit Reporting Agency ) for violations of the FCRA. 
The data furnisher is reporting in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX/RESURGENT CAP Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX  , XXXX  Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX Phone : XXXX Address : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX *See attached Credit Report as supporting documentation.