WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX #. XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,
I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. XXXX & Equifax is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/XXXX. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/XXXX. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both XXXX and Equifax that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.
Experian continues to report accounts that are n't mine and credit reports I did n't authorize. I sent them settlement paperwork where I sued XXXX and they agreed to remove the accounts from my report. Experian has refused to do so. I have also had more fraudulent credit inquiries and am attaching a new police report. Experian 's online service would n't accept my police report and I 'm submitting proof of that as well.
I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;
I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.
I had my account set up with Ally Financial on automatic payment. When my lease was up I extended my lease yet they they failed to notify the me that the auto-pay deactivated. 
I have always made my payments on time never being late the term of my lease.
commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party.
This debt collection want me to pay for a house The i didnt lve there after XX/XX/XXXX i rent this home and my lease i Was over and XX/XX/2015 and i didnt sing another lease and i mover out and They want me to pay The rent on to They rent The house again when i Was not living and that house.
I am in the process of improving my credit score. When I notice that XXXX Bank and XXXX has done several inquiries on my credit report without my permission. I had purchase a car though them in XXXX, but the inquiries are in XXXX. XXXX report has XXXX inquiries and another has XXXX. Recently, I saw that XXXX XXXX has done XXXX the end of XXXX of XXXX. These inquiries were with out my permission. I sent a letter to the credit bureaus about the XXXX the bank has received, without a response. This is inappropriate action on the credit bureaus behalf.
I moved into m y partner 's (  not state " registered '' as we were waiting for the federal law to be change d ) ho use with him i n  XX/XX/XXXX  si gning a simple lease.  Mid- XX/XX/XXXX  he got very ill and i cared for him and his 4 elderly dogs until his passing in     XX/XX/XXXX .  i was a beneficiary of the house along with    XXXX   o thers who have told me when the time comes to probate they will withdraw their names from the will as they felt i deserved to be the sole beneficiary. They still maintain that position. I had opted not to go through probate because of  XXXX  in errors in his medical billing, which to avoid liens, needed to be resolved first.     I had called the mortgage company, Seterus ( anonymousl y ) af ter my partner 's death and asked a " what if '' question as to how someone should handle this situation with them. They said if I could afford to make the payments, just keep doing it and do n't report the  XXXX  to them otherwise, they would likely call in the loan. I also noticed this was the general consensus online as well. I made about 15 payments until the middle of   XX/XX/XXXX  I  missed  one  and everything came crashing down.     I tried calling everywhere for help and was told since i was n't the homeowner they could n't help me. HUD, Save Your  Home California, and so many other organizations shut the door on me. Once the notice of default was received i officially called Seterus and they refused to speak to me saying the only person authorized to talk about that account was the deceased borrow! The week of the auction came around and i tried calling the Seterus again and also the trustee begging them not to go through with the sale. Both asked for copies of the death certificate and will. I sent them to both of them and they both said it w as too late and they could n't help me. The house sold at auction on   XX/XX/XXXX  at  {$150000.00} below market value and the $  200,000+  in equity my  partner le ft to me so i could have a better future was gone.That same day i was visited by a representative of new owners, an investment group, and they tried rushing me out. I have been putting up a fight with them but they finally won their unlawful detainer suit and now awaiting the sheriff 's to lock me out along with my partner s 4 elderly  dogs which I 've been caring for. I have nowhere to go, and the money i thought id have for my future is gone. To make matters worse the   XXXX   ive endured over this hospitalized me twice over the holidays. I learned that after 12 years  of maintaining a healthy undetectable    XXXX   XXXX   status,   my   XXXX   XXXX   has crumbled and not technically have   XXXX  . I ca n't believe im about to be sick and homeless over this. This ca n't be how it ends ....
On XX/XX/2018 I sent a dispute to Eqiufax concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect. 

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly. 

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called Equafax as I had not been informed of any result of my dispute. Equafax attempted numerous times to get me to say my name was different. Equafax then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked Equafax if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. Equafax informed me, " Consumer Reporting Agency. ''  This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered Equafax give the debt collection company any new information concerning me.
A merchant made a fraudulent charge on my Sears MasterCard ( Citibank ) in XXXX 2014. I tried for several months to resolve the issue directly with the merchant. I had continued with these attempts, as the merchant acknowledged the error verbally and led me to believe I would be reimbursed. Ultimately, they did not follow through with their promise. I then contacted my credit card company by writing a dispute. Upon receiving their response stating I had not contacted them in a timely manner, I contacted the credit card company by phone to understand why they were not taking further action. I was told that my contact with them fell just outside of their policy for reporting billing errors by a matter of a few days, therefore they would not be taking further action. It was recommended that I submit a complaint through the Better Business Bureau and a XXXX other suggestions for recourse were provided. I have since submitted my complaint to he BBB, with so far no response by the merchant. I have also submitted a XXXX plea to the credit card company through secure mail within my online account. They replied letting me know they have no recourse to recover my funds outside of 60 days. I have been a cardholder with them for 18 years with no other transaction disputes. I am asking for their assistance with resolving the fraudulent charge made to my card and associated interest charges.
There was two of my accounts that got shutdown by Key Bank my hassle free savings account and my XXXX XXXX account. The first one is information from my laptop, as I have saved screenshots of the transactions that I took this morning on XX/XX/XXXX. 
On XX/XX/XXXX they had deposited {$4000.00} from a check that my friend XXXX XXXX has sent me in the mail that went into the hassle free account. Her son XXXX XXXX had tried to send me {$8000.00} on XX/XX/XXXX but they never went through, as he got his money back just recently. In the XXXX XXXX checking account the other checks that XXXX XXXX sent me was deposited on XX/XX/XXXX as the total amount on the checks that went into that account was for {$3200.00}. Recently XXXX XXXX has notified me that on her side from her XXXX XXXX bank that the transactions went through without any issues and so there is someone at the Key Bank Corporate Office that has placed a block on my account and has not returned the funds back to XXXX XXXX? Last night I read about the 408 complaints that Key Bank has, as they are mostly from older people and poor people like myself. Right now I want to see about starting some kind of investigation against the people working in the corporate office, as most of those 408 people have lost money from Key Bank. Plus I would like to file charges and take Key Bank to court for the actions for what they did to me, as I have evidence in pictures and those screenshots of the accounts.
Transunion charged me for " credit monitoring '' which I never signed up for. I was trying to get a copy of my credit report and it said they needed my credit card number as a way of verifying my identity -- then they started charging me a fee of {$19.00} a month. I wasn't told before the charge appeared on my credit card statement and when I called, they were extremely obstinate in insisting that I had enrolled in this service. I never received anything for this service ( e.g. any kind of updates on my credit or credit history ) and I think their whole raison d'etre was to charge my card and stay below the radar hoping I wouldn't notice it on my statement.
My complaint is that XXXX XXXX XXXX out of XXXX XXXX California called me on XX/XX/XXXX telling me I owed roughly {$3000.00} on a credit card. I know this is not true because I filed it with my bankruptcy in XX/XX/XXXX. The lady that called me said that the lawyer was following through with it today, whatever that meant I dont know. The lady also said that their company may freeze my bank account, put a lien on any property that I own and keep my wages from my employer and take any tax refund that I may be able to receive from the IRS. I never received anything in the mail on this issue and the XX/XX/2018 was the first time I have heard from this company. I dont owe anything to anyone on this credit card and I didnt like them threatening me.
I submitted two disputes to Transunion for the following accounts on my credit report : XXXX XXXX on XXXX/XXXX/XXXX asking for verification of the accuracy of all data. I was never provided evidence of accuracy. 

XXXX XXXX XXXX XXXX asking for verification of the accuracy of all data. I was never provided evidence of accuracy. I believe this debt may belong to someone by the same name.
Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you.
An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?
Uploaded XXXX XXXX and Adverse Claim re : XXXX. Alleged " mortgage '' loan by BANK OF AMERICA FSB XXXX XXXX XXXX, BANK OF AMERICA FSB filed at State of California , County of XXXX XXXX Recorder Office XXXX, Document XXXX - XXXX. 
BANK OF AMERICA FEDERAL SAVINGS BANK XXXX XXXX XXXX, XXXX XXXX XXXX, OR, UNITED STATES XXXX knowingly failed to transfer the assets to the trust fund to qualify as a XXXX or a XXXX. Therefore this means that this " loan '' herein is/was in default at closing and the loan is unsecured and BANK OF AMERICA knowingly holds contraband, knowingly failed to pay income tax on proceeds from my Estate and Breached Fiduciary Duty, violated of public policy under XXXX, the Emergency Banking Act of XXXX passed XXXX XXXX XXXX codified XXXX XXXX XXXX.
I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. 
When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. 
Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. 
He just listed concepts that might have originated that amount. 
I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. 
The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 
2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? 
I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. 
Is it legal just to call someone trying to collect money without explaining why?
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. Equifax simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since Equifax 's breach started this in the first place. There are still issues with Equifax not removing inquiries even when I received letters from Equifax and the disputed companies that the inquiries would be removed.
I bought a double wide trailer in a park and got financing from XXXX in XXXX. It has a very high interest rate of 14.9 %. I am try to refinance before it gets 15 years old because I can not get financing with credit union after that. I am pre approved for financing or to buy another home. The problem is XXXX now Ditech has XXXX XXXX liens on the property XXXX. The new lender has asked at least 3 times for them to release the first lean, I have also called several times on this. We keep getting same answer, they will terminate the lien once they receive payment in full. The new lender or any other bank will not give Ditech any money while they have XXXX liens on the home. The first one should have been terminated. Therefore, they are preventing me from refinancing or selling the home. 
This has been going on since XXXX XXXX, XXXX. I want to do a payoff but they will not terminate XXXX of the XXXX filings XXXX. Clearly you can see on these XXXX 's that the secured parties on XXXX are XXXX. I should only have XXXX lien. I need to get out of this loan because it is a simple interest loan and I owe more for the house now than I did when I bought it.
According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).
Freedom mortgage was collecting our money for homeowners insurance as part of payment but stop paying XXXX XXXX XXXX resulting in the insurance canceling our homeowners. They then placed their own homeowners and raised our payment. We took out our own homeowners again after finding out they took their own. Now that we have our own insurance they refuse to lower the payment amount. We are also a flood victim of XXXX in Tennessee and called them asking for a hardship and they claimed they would email paperwork which they never did. The company sends us predatory refinance offers pretty much daily. There was a period of time where there was no homeowners insurance that they owe us a refund for. Legal action will also be taken if freedom mortgage does n't respond to our claims.