WillisBack/dataset-financial-user-claim huggingface dataset:
I have send experian 3 written request regarding XXXX account XXXX and this unverified account still remains on my report. I informed them in writing several times that this account is not mine and that it maybe belong to my aunt in whom share the exact same name as i and in which that I lived with years ago before she passed. I called experian after constant failure to provide physical proof of verification all they send is a paper that say verified but nothing that say how they verified so I demanded that information or the name and id number of the rep that claim to have verified this information so that I am able to present it before the judge in case I have to proceed to litigation regarding this matter. I have carefully been saving my tracking numbers and certified signed documents by experian to show that they received each letter that I send them and they have not removed this unverified account from off my report. I called experian and spoke with am employee id number XXXX in which he called XXXX card on three way and we spoke with a XXXX id XXXX in which she stated that she ca n't provide experian any information without the account holders statement saying it was ok to do so. So after that I stated to experian that if that 's the case they are providing false info and no way possible could they have verified this unknown account to be mine i asked that they remove it and the guy hung up on me.
XXXX XXXX XXXX Agent was very nasty with me over the phone and ask very impersonal questions that was not pertaining to the account
OnXX/XX/XXXX, I applied for a balance transfer with AMERICAN EXPRESS. OnXX/XX/XXXX a balance transfer in the amount of {$3900.00} + {$110.00} which is 3 % of the balance. The terms are 15 months NO interest. I have been making ON TIME payments for XXXX,XX/XX/XXXX & XX/XX/XXXX With NO additional useage of card, but being charged " finance fee '' each month. I have called each month with NO resolution. They correct for the previous month and it happens AGAIN the following month this has become quite FUSTRATING! The attached statement balance should be {$3100.00} as you can see it ISNT!
To whom it may concern, I am writing in regards to my mortgage loan being transferred to Seterus and was given less than 2 weeks noticed and now Seterus says they can not inform me of any information regarding my account. I received a letter from XXXX on XXXX XXXX telling me that my loan will be serviced by Seterus on XXXX XXXX. Today is XXXX XXXX and I called Seterus and was told that they could n't give me any information regarding my loan. They said that they have over a XXXX clients and that they were still working on my loan. When I attempted to ask a question, the representative said " not to speak over him and to let him talk. '' At that point, I asked to speak to a manager. When I asked to speak to a manager, I was told that the wait would be extensive. So, I asked " what is an extensive wait time. '' The representative said it would be 10 to 15 minutes, so I told the representative that I would wait. The representatives put me on hold and came back on the phone and said, the manager will not be able to give me any information about my loan so I do n't need to wait because I just have to wait for my welcome packed in the mail. Now these are my questions, how come the Seterus could n't give me any information about my account when I was told by XXXX that all my questions or concerns would be answered by Seterus since my loan was transferred over. How come the Rep was so rude and could n't get me a manager on the phone and tell me anything about my account, how much I owed, when was my next payment. This sounds very fishy and I do n't want my loan account with Seterus. 
The reason why this is important is because I am in the midst of selling my apt and have a potential selling date by XXXX XXXX and have an additional fee that I owe for the sell of the apt that will be paid at the time of the closing and I do n't want to see surprising fees from Seterus. I need to know what my payments are now so that there are no surprises at the time of the closing. As a consumer, if my loan is transferred to Seterus, Seterus should have all the information ready for me when I called and not give me the run around and then say a manager is not available and that they can not access my loan information. Right now this is frustrating as I need this information. What are my rights as a consumer in regards to getting this information without having to wait for a welcome packets from Seterus. My other question is, " why is did XXXX Bank transfer my loan to a new company and I have no say about the transfer. Why did XXXX Bank wait less than 2 weeks to inform me about this transfer. '' My account number with Seterus is XXXX and their phone number is XXXX. My loan number with XXXX Bank was XXXX.
I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX  XXXX XXXX Acct # : XXXX
LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX
Equifax is in direct violation of section  605B  of the Fair Credit Reporting Act for your continued willful and negligent of noncompliance of secti on 605B of  the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within  four  business days and to promptly notify the furnisher (  s  ) of that information. Here it is the  XXXX  of  XXXX   XXXX  and it still show on my update report on     XXXX   XXXX   XXXX   account.     Now as I rea d 605B th ere are only  XXXX  reasons a CRA can refuse to block :  1. If the request is made in error. ( It 's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If  they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to thi s one w ay or the other ).     They have violated me on at le ast 14 separate o ccasions according to you own records ( see attachment previous disputes confirmation number s )  from  XXXX   XXXX ,  XXXX  thru the present. The fact that they have ignored my request to block or verify the disputed account is evidence that they can not and did not verify the disputed account like they said they did or act incompliance with the law. Their failure to delete or block the disputed account aft er three written requests is also evidence of their willful disregard of Federal Law. They say that they have reinvestigated these accounts but you ve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4  ).     Equifax bears grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. If they can not verify this account they are required to promptly DELETE this information. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  XXXX  be entitled to under Section  616 and Section 617  regarding your continued willful and negligent noncompliance.
Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.
I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me.
I had  XXXX   XXXX  many years ago ... .Account was closed by me for billing errors ... .on  XXXX   2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency  Eos Cca  {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!
On XX/XX/2016, someone acquired my credit card number and my personal information to purchase XXXX, at XXXX XXXX XXXX, Florida XXXX and then had the order smipped XXXX XXXX,,, ,,XXXX, XXXX XXXX XXXX XXXX and had it billed to me XXXX XXXX XXXX XXXX, Florida XXXX XXXX. It was charged to my XXXX card ending in XXXX.
They called today on XXXX despite a previous request to never call my work number. My work number had also not been given to them. They repeatedly call my phone and do not leave messages. Today, after again telling them never to call me at work, I work at a XXXX, the man on the phone became very threatening and rude. He said that he wouldn't call either number again and the next step would be taken without alluding to the next step or even giving details on why he was calling. I was never given the opportunity to make payments or payment arrangements. XXXX XXXX XXXX is the name of the company and the number is XXXX.
Hi, On Tuesday XX/XX/2019 there was a hard inquiry from a company that I did authorize nor would I of. I have never heard of them until this day. XXXX XXXX informed me with an alert. The company 's name is SYNCB/XXXX. I called the company and they were of no help other then to say we don't have you in our system or show you have any account with them. Very unhelpful. 
My credit dropped from 760 's to 660 's. I told them this was unacceptable and they didn't want to hear it or help in any way. I called XXXX XXXX and filed a dispute online. XXXX told me it was a " soft inquiry so they couldn't do anything to help me. Per XXXX XXXX it was definitely a " hard inquiry ''. 

Thanks, XXXX XXXX
Calls repeatedly and is extremely rude. Never works with helping you out. XXXX XXXX is a XXXX!!! 



XXXX XXXX ... .XX/XX/XXXX. 
Social : XXXX
I would like a full on investigation on Caliber Home Loans, this is the second complain I will, the company has purposely and intentionally founds ways to retaliate against me. I filed a law suit in XXXX, due to the company asking for documentation sent more than once for a loan modification, XXXX XXXX filled a law suit and option a trail payment plan that would end in XX/XX/XXXX when we contact Caliber after the last payment the first point of contact stated that they denied modification due to not receiving a subordination letter from Keep Your Home California, they stared that the letter was send to my attorney back in XXXX, we including my attorney never got any subordination letter from Caliber Home Loans. I went ahead and contact Keep you Home California compliances Department and they have never seen the letter either. On XX/XX/XXXX Rep XXXX # XXXX was advised to open task for subordination letter by first point of contact. Rep XXXX # XXXX stated subordination letter was sent to XXXX XXXX on XX/XX/XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - XXXX LIEN SUBORDINATION//Called to follow up with CALIBER on the subordination and the rep XXXX ID # XXXX stated that they have received the the subordination authorization and the title department is working on the subordination. He also stated that they posted another Trial payment yesterday. 

XXXX XXXX MGR XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  PHONE CALL [ p ] - FINAL LOAN MOD DOCS//Called Caliber and spoke to XXXX rep ID XXXX XXXX stated that the final modification is being prepared and has not been generated as of yet and will be in the next two weeks and will be sent to our office. As soon as we have received the docs we will forward to you immediately for signature.
On XX/XX/XXXX approximately XXXX I received a phone call from 'XXXX ' from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for XXXX county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
TransUnion & XXXX XXXX continues to re-age an charged off account and TransUnion continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XX/XX/2018.
I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.
Transunion is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Transunion notes the status as never late for an account that was opened on XX/XX/XXXX, however, the loan servicer is only reporting monthly payment history for most months an " Unknown ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Transunion posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than XXXX different student loan accounts that Transunion has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Transunion allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. This appeared to be retaliatory because newer, undisputed loans originating in XX/XX/XXXX, XX/XX/XXXX report a status of " OK '' each month. Payment history is available and known and must be reported. XXXX has also supplied a document that states the payments have all been on time.
ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. 
XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. 
Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.
Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. XXXX XXXX
XXXX and Experian is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my XXXX and Experian credit report.
I have co-signed for my Son to attend School, XXXX, since he has graduated he has not secured work. Therefore he can not afford the monthly payments for both SallieMae and Navient. Because of this his student loans have grown substantially ... 

Navient -1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. Highway robbery ... 

SallieMae-1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. 

Please let me know what can be done about this ...