WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion Credit REPORTINGXXXX-XXXX XXXX # XXXX Should be removed, older than 10 yearsXXXX # XXXX - Should be removed, older than 10 yearsXXXX XXXX XXXX # XXXX Should be taken out od Adverse accounts Paid in full XXXX/XXXX/2015. XXXXXXXX XXXX # XXXX- Should be removed, older than 10 yearsyears ... I have talked with this service on many occasions and beeninformed if they can not get the correct information to resolve an issue they usethe information they have whether it is correct or not. I do n't think this is aresopnsible way to run and affect someones elses life and credit. I think theFTC should should take mandatory reform and make sure the informationthere showing in their files that affect people 's live should be Actual-Factualand if it 's not. It should n't be there. I 'm very disenchanted with all creditreporting agencies and the disrupction they cause. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX # XXXX, Should be removed, older than 10 yearsI have talked with this Agency many times and their philosophy of how they interpet their information leaves something to be desired. The last person I spoke with told me when they check their information sources. The information they receive is published weather it 's correct or not. I do n't think this is advantages to the lives of consumers struggling to correct or repair their credit. I went round and round with this XXXX from Transunion and could not get an intelligent answer from him on how reliable their sources when refuting credible sources of information that now going to post on someones credit report.
I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. 
I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. 

The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. 

Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.
Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.
My mortgage is serviced by Bank of America. My mortgage payment includes an escrow payment for insurance. On XX/XX/XXXX, Bank of America sent me a letter demanding that I provide proof of insurance and threatening to charge me for insurance that Bank of America will select. This is ridiculous and harassment as I pay insurance escrow payments and Bank of America makes the insurance payments from my escrow account for the insurance policy that I selected in XX/XX/XXXX.
I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.
The xompany in question XXXX XXXX XXXX XXXX locaye in XXXX Colorado has violated the laws repeatedly. This office in XX/XX/XXXXand XX/XX/XXXX filed a suit against me for a debt that i do not owe them. I had health issue that are not for this company to know i was not able to go to court. 
More surprisingly this comoany never validated this debt, This company has never submitted a contract bearing my name and the company listed above that says i agree to pay them a debt. 

XXXX XXXX must validate a debt before any collection activities should conitnue. 

I challenged this company to prove that i owe rheri company the debt in question and they havent. 

Furthermore this company has ruin my good credit rating they have caused me to close one of my bank account In XXXX XXXX XXXX, theu have taken money out of my XXXX XXXX XXXX XXXX  account, this is nothing but a form of fraud, they have caused me embarassment, continued stress and have shown willful intent to destroy my credit rating. 

This company preys on consumers not knowing the law, but i am XXXX and bu federal law this company violated my rights my going into my accounts, this fraud and i take this very serious. 

This company isnt owed nothing from me, they have damaged my credit score, still not providing a signed contract between the above comany and myself. This co.pany listed above has violated the laws of the FCRA, FCPA, and this is unacceptable as a usa citizen. 
I
Looked at my deposit this morning and it is not accurate ... Rushcard deposiy only XXXX into my account when it should have been XXXX I have been on hold for 30 minutes.
XXXX has sent correspondence that tradeline is deleted and it has been deleted from XXXX and XXXX but not from Equifax. It needs to be deleted from Equifax. 
Account # : XXXXXXXX XXXX
On or around XXXX of XXXX i received a missed call from a XXXX  number. Being a former XXXX resident I called back and the person on the other line mentioned that she was a debt collector. After verifying my information she said she was trying to collect a debt, I informed her that i am unaware of this debt so please send me documents which can validate the debt. I gave her my new address in XXXX and she said she will mail me the documents. 

As of today XX/XX/2019, I did not receive any Debt validation from this company. Today i received an alert from my credit monitoring service of a collection reported by this agency. When I called them the first representative, XXXX refused to give me any information and after putting me on hold disconnected my call. The second representative Miss XXXX, said that we don't have any validation document but i will have to pay them to delete the information of my credit report. 

After questioning her and mentioning that they have violated the FDCPA by not providing me any validation and negatively reporting on my credit. They have not given me a chance to dispute or resolve this matter and have impacted my credit. She transferred me to a supervisor by the name of Miss XXXX XXXX. 

Miss XXXX was not willing to cooperate and was adamant for me to pay the debt which I am unaware of. She threatened me that her company will continue the collection activity if i don't pay her. She mentioned that regardless even if this debt is not mine, they have not violated the FDCPA. This agency is using predatory practice by not providing any debt validation documents for me to verify the debt. I am unaware of this debt and they comply with my original request of providing the debt validation.
On XX/XX/2014 The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/2014 the dismissal was filed with the court. 
Since then, the three credit bureaus ( Experience, XXXX, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
on my credit report I have a collection of {$950.00} from a company called XXXX Collections. I do not know this company or know what this collection is about.
Phoenix Financial Services has repeatedly re-aged a collection amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX. I have brought this to their attention as well as to all three credit bureaus. In XXXX, it was removed and they denied the re-aging. In XXXX, they have re-aged the debt claimed again as if it were new. This has been re-aged multiple times over the last XXXX years even after I have complained and brought it to their attention. I want this debt removed immediately from all three credit bureaus and all collection efforts ceased. If this is found to be a repeated pattern of this collection agency, I believe they should be heavily fined, prosecuted and a potential class action lawsuit evaluated. This has negatively impacted my credit score several times now. If I have to I will request a copy of my consumer file from each agency at my expense to show the history. Or, they could just STOP. 
Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Amount {$250.00}, indicated as new XX/XX/XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX : XXXX   2.XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX   3.XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX : XXXX  5. XXXX XXXX   Equifax : XXXX, XXXX : XXXX XXXX : XXXX
Despite multiple requests, the unverified item with Nationstar, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted Nationstar via mail and have returned undelivered mail with inaccurate address on file, and via phone Nationstar has told me I never had account with them. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX is also reporting incorrect contact information, and payment status on report for the Nationstar creditor.
I tried sharing my credit card information to my XXXX account. In order to up to date information on my account because I am applying for a VA Mortgage.
OnXX/XX/XXXX I was charged XXXX in overdraft fees, and then again onXX/XX/XXXX I was charged another XXXX in overdraft fees. At the time my other checking account I have with BBT had well over {$20000.00} in it. I also had requested over a year ago that my second checking account ( one with 20,000 + in it ) be linked to the checking account that received the over drafts. That was never done and I was charged XXXX in fees. This is very upsetting. And I have requested from BBT to refund them, and they have refused to. There is no reason I should have been charged these fees when I have plenty of money in their bank.
CMRE FINANCIAL SERVICES INC. I received the attached demand letter from CMRE for a debt I do not owe.
Citicards has FAILED to return a {$100.00} disputed charge which they owe me and their customer service, especially a " XXXX '' that works in the dispute department is utterly incompetent and laughs at the customer BEING right. This credit card company, as well as all the others across the USA, are clumsy fools at best.
I have previously disputed negative/adverse items on my credit report and requested validation in form of the original signed documents or contracts. On   XXXX   XXXX   XXXX     I sent a certified letter to Experian regarding unverified negative items being reported on my credit report. I specified that I was requesting Experian to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifying on my report. After Experian 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at Experian regarding these negative items and have yet to get this resolved. Experian has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX  Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or any  XXXX  parties. I decided to call Experian back, spoke with another rep this time and they advised me that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a manager that stated that since this was a reinvestigation, no runner was involved. The manager advised me that Experian uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. Experian refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
this is such a long story, but I will try and make it brief. I have a credit card from US Bank. It ha a large balance, but I always make my payments. After my divorce settlement was finished, I called US Bank, made it so the account could not be used, and started making payments. On the card they show you XXXX options, XXXX is the minimum payment which takes 20 years to pay off, the next options is a large payment that takes only 3 years to pay off. I took the 3 year plan and for the past year I have made my payment on time and in some case XXXX payments a month. Recently I received a letter from US bank. It said that they looked at my account and determined they needed to raise my interest rate to 24 % I was astounded, why I asked myself, this was unfair, and unwarranted. I called, spoke to several people in different departments. They all said the same thing, there was nothing they could do. I lived in NY for a long time, we would call this kind of practice Loan Sharking. I do n't know how they get away with it.
I received a robocall from XXXX at XXXX XXXX on XX/XX/XXXX. The recording stated that there was a summons for me etc. The debt was charged of on taxes, and I paid the tax bill, several years ago. The company is simply wanting to " double dip ''. The debt is from XXXX, I paid the federal income tax in XXXX so it was charged off in XXXX.
Equifax has never in 6 and half years identified to me who verifies the information that XXXX XXXX is reporting. The statement from Equifax is the information has been verified and it is belongs to you. Who is verifying this? Surely it is not XXXX XXXX, I have court documents proving this account is no longer valid. Additionally, Equifax states no additional information has been received and closes the dispute. This is unbelievable, I know it is disgusting and deplorable but is n't this a failure by the Consumer Finance Protection Agency to stop this type problem for consumers?
I spent hours on the phone with BSI Financial representatives discussing options that would provide an alternative to a short sale to my XXXX/XXXX non-traditional mortgage ( credit line ). I submitted a hardship package, including a letter detailing private, emotional details of my life, based on their assurance that the investors would consider a lower negotiated amount to avoid a credit hit that did NOT involve a short sale, given the negative impact this would have on my ability to refinance my primary residence and set up a stable life for my son and me. They agreed that if I could find a way to come up with the sum, they would negotiate a lower amount. 

They did provide a lower payoff, which they promised would not be entered as a short sale. Soon after - only 48 hours before closing, I received the paperwork in which " short sale '' was peppered throughout the documents. I called assuming this was a mistake, so I called to confirm. They told me this was true, that it was a short sale and would impact my credit. So, essentially, they tried to trick me into a short sale, the exact situation I was focused on avoiding. Since then, they have been harrassing my real estate lawyer for the money, even though I still have time. 

I absolutely can not sustain a short sale, which I made clear. I short sale keeps me from refinancing my primary residence, getting a car and just generally getting my feet under me again after a terrible divorce. 

My goal is to find an option that allows my house to sell to my current buyers, which would include me paying the agreed upon lower amount but without the hit of a short sale. 

Thank you in advance for your help. 

Separately, I got this unusual mortgage in 2007. I was wooed into it, along with many other Americans. And, along with those hope-blinded fools, we bought into a dream we could n't afford with a mortgage we just did n't understand. I 'll always remember our agent 's hands excitedly flailing about describing this strategic new mortgage, never truly understanding what it all meant but buying into her excitement and loving the way " upwardly mobile '' sounded as a description for us. Now I am paying for that confused excitement. I feel I was taken advantage of in my XXXX and now it is continuing to happen now, even as I am trying to just pay off the mortgage balance and get my life in order without a credit hit.
I am writing to let you know that on XX/XX/XXXX /, I bought in XXXX XXXX XXXX, this vehicle is identified with the VIN : XXXX. I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Unfortunately, I have been having problems with the account due to the treatment given to the payments made and the way in which my account is managed by financial department. 
I asked to them to proceed to eliminate the notifications of late payments of my credit report for the months of XXXX, XXXX and XX/XX/XXXX because I have kept making weekly payments and I have never stopped making them and they reported to credit boreau without consider my explanation and notification to the company. 
You can see in the attached monthly report the status of my account. These notifications to the credit companies have negatively affected my credit scort in a significant way. 
I want to express to you that I have never refused to make payments or answer the received calls and I have explained the notification in my account that in these months my mother in XXXX has been under medical treatment and this has affected my personal budget. 
Attached copy of my account statement that checks the status of my account for today 's date. Additionally, I ask to them to extend the payment for the months of XXXX and XXXX and they refused to approve both month and I need to adjust my income to continue to cover my commitment of payments.
On XXXX/XXXX/XXXX I Disputed All accounts ... XXXX XXXX XXXX XXXX On which they RECIEVED XXXX/XXXX/XXXX and they did not list account # XXXX and XXXX in dispute! XXXX see XXXX XXXX ] They responded with an itemized statement and MAINTENANCE ORDER WITH ONLY ONE XXXX # XXXX listed when they clearly have four listed on my credit file The XXXX # XXXX is also inconsistent with their account number found on my credit report. 
IT list an original creditor with no contact details, and two exact ACCOUNT numbers with different amounts. These amounts are also inconsistent with the amounts found on my credit report under their tradeline. 
On there maintenance order that XXXX PROVIDED IT CLEARLY SHOWS NO BALANCE DUE AS OF XXXX - XXXX, SO I 'M CONFUSE AS TO WHY XXXX IS PRACTICING EXTORTION, FORCING ME TO PAY DEBTS that are already paid, with no CONTRACTUAL agreement bearing my signature. In the maintenance order Credits are being applied to the orginal alleged debts by creditor until XXXX balance and XXXX is also making payments themselves to the alleged debts found on my creditreport. 
They have made payments on two of their accounts # XXXX, XXXX and paid off the other two accounts # XXXX, XXXX for unknown reasons. 
They also are reporting multiple debts with the same open date, same delinquency date, and same REMOVAL date They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have i ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open,
After XXXX tries to get EXPERIAN to correct information erroneously filed by XXXX XXXX XXXX re a late payment in XXXX 2014 for my home loan they have told me I have to wait another 30-45 days before there is a final final decision. My home closed, sale was funded and XXXX paid in full XXXX XXXX, 2014. I did NOT own the home in XXXX, CA in XXXX 2014 so could never have a late payment. I sent them a copy of the Full Reconveyance on the deed that was notarized XXXX XXXX, 2014 and recorded. This error by B of A has been on my credit report erroneously for 1 year. I want it finalized. The other XXXX credit reporting agencies took care of it immediately. EXPERIAN said the deed was not sufficient. I am tired of this and think their lack of remedying this problem is beyond terrible. I want it taken care of. I have been fighting them for over three months since I found out about the error. 
If you want a copy of the deed I can send it to you. PLEASE help me correct this ASAP. Thank you.