WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried disputing with experian there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company XXXX XXXX and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX, which dropped my score significantly. 

I received no phone calls or contact from them from the time they brought the debt ( XX/XX/XXXX ) until XX/XX/XXXX. In XX/XX/XXXX, I received a letter from them via US Mail forwarded from a previous address. I got the letter and called them immediately to resolve the issue. The person I spoke to told me if I payed the debt, nothing would be put on my credit report and I would receive a letter of deletion. We agreed that I would pay the debt in XX/XX/XXXX. I made the payment XX/XX/XXXX and assumed I would get a letter in the mail. 

After the payment was made, I never received the letter. I assumed it was just over sight because I resolved the matter quickly and nothing was reported to the credit bureau. 

I didn't check to see if the debt was mine. I got scared and paid it. Due to this, I did not have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. 

I moved several times from the time of service until I received notification in XX/XX/XXXX. I did not receive a bill from the medical facility because I had dual insurance and thought everything was covered. 

XXXX  is not denying the debt was paid or the fact that I contacted them to resolve the issue and I would like this collection removed from my credit due to erroneous collection practices.
I have requested validation of the account that has been attempted to collect debt on from this collection agency and I have not received anything back by postal mail. It has been more than 45 days since the original request was sent. Despite my previous 2 written requests, the unverified item listed still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request on multiple occasions to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify nor validate after multiple requests via USPS mail and Email is also evidence of your willful disregard of Federal Law.
XX/XX/2018 - My potential landlord ran my credit check on XX/XX/XXXX and shared the report. I see a fraud and identity theft on my account. I see an address that is not mine on my credit report and also see a collection charge of {$610.00} on my credit report. 

Disputing address on file XXXX XXXX XXXX XXXX, XXXX   XXXX Disputing Collections and {$610.00} charges on File Creditor Name : XXXX XXXX XXXX I tried to report this dispute online through XXXX but I was unable to submit a dispute. Tried calling them at XXXX but was put on hold for more than one hour.
I sent a certificate letter to TRANSUNION LLC on XX/XX/XXXX XXXX XXXX ) asking to validate XXXX XXXX   XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX T RANSUNION LLC answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX service to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that TRANSUNION LLC used false information to verify the accuracy of the XXXX XXXX XXXX AND XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY TRANSUNION CREDIT REPORT.
I have submitted supporting documentation to equifax and the other XXXX credit reporting companies in regards to XXXX accounts that are reporting as potentially negative. I contacted equifax because I received an e-mail that my results are ready to view. Upon clicking on the results nothing was there. I called equifax again to re-dispute these XXXX accounts. ( XXXX ) as they are to be listed as accounts that are in good standing and the degratory remark to be removed from the reports. Equifax tells me that it is still in dispute. I question how this can still be in dispute as I received confirmation that the results are ready. They will not let me re-dispute this incorrect information. The letters I uploaded from each account states to update my information because I contacted them directly to correct this information. I am getting nowhere again and my score keeps going down. I am trying to obtain credit for a car loan and having this incorrect information on my credit reports is affecting me in obtaining credit. I ca n't even view my report online I keep receiving an error message and tells me the address where I can write to them. I have sent letters/phone calls etc trying to clear this up. I am complaining because this has been going on for months and it should have been corrected by now especially when I have supporting documentation straight from commenity bank who holds these XXXX cards ... .. ( XXXX and XXXX ).
Santander Bank advertised its XXXX accounts by saying that customers could earn an extra {$20.00} per month " for as long as you own the account ''. This was obviously meant to imply that this was not a temporary promotion. However, about 2 years later, they closed all of the XXXX XXXX accounts and transferred the balances into XXXX of their other products. Their advertising was intentionally deceptive. In addition, after closing my accounts in late XXXX, I realized that they had never credited my account for the last {$20.00} that I was due for the month of XXXX. They admitted their mistake but said that since I had closed my accounts they could not give me the {$20.00} I was due.
Accelerated Financial Solutions violated fair credit reporting laws! They reported a debt that I called and disputed before they reported it. I disputed the validity of the debt before the 30 days that credit reporting law allows, and they reported it anyway! Now it is showing on my report and made my credit go down and I am disheartened by them violating my rights and degrading my credit score. On XX/XX/XXXX Accelerated Credit said they would not be reporting/stop reporting and then reported it to the credit bureaus on XX/XX/XXXX, and I want it deleted immediately, per fair credit reporting act law. Find copies attached. 

Accelerated Financial Solutions , LLC XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX : Case # XXXX, XXXX XXXX Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by XXXX XXXX. We understand that XXXX XXXX is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion XXXX XXXX would like ( email, fax, etc ). 

If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 


Sincerely, Dispute Resolution Accelerated Financial Solutions , LLC
I never received any notification from Fresno Credit Bureau about this debt. The address they have is an old XXXX that I did live at in 2012, so I should have received something if they did send it. 

As we lived in XXXX, CA, I am confused as to why we would be billed from a company, according to the internet is, located in XXXX XXXX, CA ( 60+ miles away ). At this point, I would require proof of the debt, as I have no knowledge of it. Please send me a copy of a signed contract and proof that Fresno Credit Bureau was assigned this debt and has a legal right to collect on it. My email address is XXXXXXXXXXXX. 

Thank you, XXXX XXXX
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.
My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.
I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare.
My name is XXXX XXXX I have a mortgage with Citi mortgage account # is XXXX for a house on XXXX XXXX XXXX XXXX md XXXX. 
" We are pursuing a short sale and have a good solid offer close to the lender 's valuation. We have submitted the offer to the bank but they are not responding to our inquiries on the pending value dispute ( we have tried to contact them at least 8 times without response ). We feel as though the lender is acting in bad faith by engaging in lender delay to frustrate the sale. '' We just where trying to do the right thing but feel like citimortgage is not. Please help us look in on this please. XXXX XXXX
I have contacted this company 8 times in the past two months I made one purchase made one payment for the exact amount they have double billed me the company sees the problem but no one can correct it they have sent me a letter stating they over billed me on XX/XX/18 I continue to get multiple late payment emails my credit card score is showing a delinquent payment on these multiple phone calls they have averaged over thirty minutes per call
I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.
XXXX has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my Experian file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Payroll garnishment on original amount of {$7200.00}, which is incorrect. I've paid {$4000.00} in ( XXXX ) and {$2300.00} YTD ( XXXX ). Total amount paid {$6400.00} or 88 % of incorrect total amount. XXXX, XXXX XXXX XXXX XXXX is reporting an additional {$6200.00} balance for a total balance of {$13000.00} owed. I believe this law firm and these attorneys are attempting to take advantage and apply unfair and possibly unlawful practices to inflate original debt of a consumer. Excessive interest and taxes being applied to debt that has been recovered and written off by the original credit union ( XXXX XXXX ).
I was recently denied a loan and the reason cited was a " Derogatory public record on credit file. '' I have been aware of this item in my credit report for quite some time and have been working for several months to have this removed from my credit report as it does not belong in there. 

The record at issue is a Judgement which appears in my Equifax report. Attachment A is a letter from the attorney for the prosecution explaining that while I was a defendant in that case, the judgement is against a different party. I was only named because I was a tenant at the time of the lawsuit and the lawsuit sought to possess the property, but never owed any debt related to this case. The XXXX County Court Order in Attachment B supports that statement. I was named in that case merely because I was a lessee. However, I have never owed any debt related to that case. Finally, Attachment C is the case history which you can also access at XXXX 

While this item has been successfully removed from my XXXX and XXXX reports, Equifax unfortunately remains obstinate. I have made two attempts to have this corrected and both times, I received replies that the item has been updated to report satisfied/released. ( See Attachments D and E, disputes XXXX and XXXX ). However, according to several telephone conversations I 've had with Equifax 's customer service representatives, there is nothing I can do to have the record removed entirely from the report. I am told that all I can do is wait until 7 years have passed since the judgement was filed, which is in XXXX 2017. 

The lawyers who prosecuted that case say that there is no judgement against me so it is impossible for them to go to court to have a judgment removed from the court records.
I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my transunion and XXXX Credit Reports. At least for Trans Union I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but XXXX and Trans Union are both illegally reporting this trash
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX LA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Basically, I keep getting calls from numbers that appear to all trace back to NCO Financial Systems. The numbers show up on my phone with zip codes XXXX 

I 've missed each of the calls, unfortunately, but only once did they leave a message. When I followed up on that message, I was placed on hold with no mention of a company name on the answering machine, and then after being on hold for about 10 minutes the call dropped ( I had n't moved locations and my phone showed good reception ). Another time, I was offered a chance to leave a message. I did, no response. I 'm currently on hold again, and it 's now the XXXX minute of the call. 

After XXXX the number and tracing it to NCO Financial Systems, I found terrible reviews of the company on XXXX that matched my experience ( many are worse! ). I saw several people there who listed " real '' numbers for the company that actually connect you to a person, and after calling XXXX a woman picked up on the first ring. She looked me up in the system and said that the system has no record of me at all. I carefully spelled my full name and my phone number, and they are not in her system. She said she was in the medical department, and that 's the only place my debt would be - I 've recently been paying a lot of doctors bills because of an injury sustained, and it 's not out of the question that I may have missed a bill or mixed something up. 

I 'm concerned that I have a bill out there that will affect my credit, but I 'm also concerned that i am being contacted by a scam and am not comfortable giving them any information. 

Please help!
I had a private loan that I didnt know was threw XXXX XXXX. At the time I was married and didnt worry about it. Then I got divorced because my ex was abusing our daughter. I left him. I am a XXXX and have been for about 5 years. I tried and tried to finish my XXXX but financially couldnt afford it. I was injured at work in XXXX and was laid off. Many days I couldnt even afford food. We lived in my grandmother in laws home rent free. I moved to Arizona and started XXXX again but my injury has stayed with me the whole time. Im almost done with my XXXX and now my student loans have not only came back but they are 3xs what I started as. I am XXXX, my wife is XXXX and my son is as well. We depend on my income. Now one of my school loans of XXXX from XXXX XXXX now ( Navient ) gave it to XXXX XXXX! I dont know what to do??? Can you help me fix it???