WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XX/XX/2018 i called navient about a conversation regarding a disputed account with a rep prior. She wouldnt allow me to dispute account she told me to contact school for proof. Said that no supervisor was there to speak to me said that shes was tring to help but kept over talking me and repeating the same phrase over and over again. I paid my loan prior but stopped after realizing a institution that was being disputed was being paid too. I wantef clarification on that instabces and ive called numerous times!! Please help
On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. 
The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.
Experian refuses to provide free annual credit report online, by phone or by mail. Violates FCRA. When I request my free annual credit report online I supply all of the correct information to Experian and answer all security validation correctly. Experian continuously refuses to provided my report, even though XXXX and XXXX have no issues. Experian also refuses to provide my report when I have attempted to obtain it in the past my mailing in the free annual credit request form or calling XXXX number. They are fraudulently trying to drive traffic to their $ XXXX/month paid service.
This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end.
I contacted Equifax on Tuesday, XX/XX/2018 after I viewed my credit report and found addresses that did not belong to me. The representative that I spoke with said that the system was down and I would have to call back which is hard being that I work long hours and can not make phone calls while I'm working.
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.
Bought our house in 2004 from wells fargo for XXXX was told i did not qualify for a modification my home went into foreclosure i begged and borrowed the {$20000.00} they said i needed to stop the foreclosure ( including fees ) selling my house now and i am told my payoff is XXXX????? How is this possible
I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.
A collection company XXXX is reporting XXXX accounts under collection that are zombie debts. XXXX created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.
I was in the middle of trying to refinance my home when I saw a bankruptcy was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?
I applied for the AMEX XXXX card with a bonus of XXXX points upon spending XXXX within 3 months. I met the spend and was awarded XXXX points by first statement in XXXX. Then in XXXX, my bonus points was reversed.
This is in regards to BOTH a  Total Visa  account and a   XXXX   XXXX   XXXX   account.  XXXX   XXXX  ACCOUNTS!     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by   XXXX   and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
I have a few problems with my mortgage company, When I borrowed money on my house, I bought XXXX insurance with it. Unfortunately I became ill and had to use it, and when it ended, my husband became ill and it took about a year to get XXXX approved. We struggled for a whole year to make those payments. The insurance paid for that year and the mortgage company had us paid up for a long while. There came a couple of times that the mortgage company said that I needed to make payments on it. I protested, but I made them because I did not want to loose our insurance. Sadly the XXXX insurance ended, I have an illness that has no cure, and my husband is now on social security, so I cancelled the XXXX insurance, and I kept the life insurance. The mortgage company started calling me, asking me to start paying them again. They talked me into doing automatic withdrawal, they were to take out a set amount of money a month. On the first withdrawal, they took out more than XXXX more than they should have. I was promised my money back, but that was another lie, I did not get my money back. I got a letter around the first week of XXXX stating that I was over charged {$960.00} and that they would credit it back to my account. I got a call from XXXX of the workers inquiring about my account, and wanted to know if I needed to make arrangements. I asked for what? I told him about the letter, and asked what happened to the money? He said that it was applied to my account, but not in the way that I think ( whatever that means ). I told him that I wanted it applied to my payments. He said it could not be done that way. I told him that I would call the home office and get it straighten out. He said it wo n't do you any good. I asked are you telling me that I can not call the home office? He then got sarcastic with me, and said, you can call anyone you want, you can call the president if you want too. I am still trying to figure out why our President was brought into this conversation. I was told that the manager could override it and fix it for me ( from the call center ). She was not available, the assistant manager called me back, while she was actually in the office. When she finally got on the phone she told me that it could not be reversed, and she never mentioned her workers bad behavior, until I brought it up, and she did not seem concerned nor did she apologize for it. XXXX thing that I found out was that my loan does not have any life insurance on it. When asked, who cancelled it, I was told everyone 's was cancelled. I also found out that since a payment was due, they took the interest out of the money and stuck it in a place that 's unknown to me. I have no more insurance what gives them the right to pay what they want and not let my husband and myself have a say in it since we were the ones that were over charged.
I subscribed to XXXX online and was sent one issue of the magazine. I was never billed for a yearly subscription, and indeed no yearly subscription was ever sent. I decided that they were incompetent and that it was better not to have a subscription. A year or so goes by and I get a bill ( in XXXX 2015 ) from a collection agency. I send XXXX subscription service an email telling them that I am only theoretically responsible for paying for one issue of the magazine and that because they have already severely inconvenienced me, I felt my debt to them had been discharged and that I would be paying them nothing. They responded with an email apologizing and reassuring me that I did indeed owe them nothing. Now, more than a month later, I have received another notice from a collection agency. I owe no money, they have agreed that I owe them no money, and still they will not stop harassing me and damaging my credit rating. I want it to stop.
Under the Home Affordable Modification  Program ( HAMP ), th ere is the Pay For Performance program, and then the Recast Re-Amortization program which, on the sixth anniversary of your HAMP modification, reduces your mortgage principal by {$5000.00}, AND lowers your monthly payment because of the lower principal.     Bank of America did lower my principal by {$5000.00}.     But, Bank of America has NOT lowered my monthly payment, per the term s of the Recast Letter Agreement. They claim mail d elays for the new paperwork, and then now claim technical difficulties.     So my  XXXX   XXXX ,    2017  mortgage payment amount is incorrect, but I was told to make it anyway, or be considered late. No date has been provided to me for the fix of the problem.
In XX/XX/XXXX, I contacted Global Client Solutions also known as XXXX XXXX XXXX, regarding resolution of 3 accounts to be made. They required deduction of {$540.00} per month from my account and told me they were going to work with the 3 accounts to pay them. Upon receiving current statements from the 3 accounts, I saw that NO funds have been transferred to the accounts to date, plus I am being charged late fees from each of the accounts, along with reducing my credit rating. 

On XX/XX/XXXX, I contacted my bank to stop payments to them, and have asked Global Client Solutions for a refund of all funds they have taken. 

To date, I have not heard from them
In  XXXX    XXXX   I became ill and my brother took me to his home to care for me. He inquired as to what it would take to buy me out of my lease, They told us {$1400.00}, a 30 day notice and current months rent. I seemed to recover enough to go home at the end of  XXXX ,   XXXX  . But shortly after returning home I had a relapse and my brother decided I needed to move in with him and  XXXX  my sister in-law, so I could be cared for around the clock. On  XXXX   XXXX ,   XXXX    XXXX  and I went to the apartment  manager  and took them the {$1400.00}, the 30 day notice, and  XXXX  rent. The woman in the office said she could take the 30 day notice and  XXXX  's rent, but explained I had to come back to talk to the manager. On  XXXX   XXXX ,   XXXX   my caregiver  XXXX  and I went back to give th e manager the {$1400.00} I had to stay in the car due to my illness. The manage  XXXX  proceeded to tell  XXXX  that because I did n't give the {$1400.00} when I turned in the 30 day notice I would owe for  XXXX  also.  XXXX  explained that we tried to turn it in on  XXXX   XXXX  but they refused it. I do n't owe them anything I did what I was told and they took the money the notice and the current rent. I have been fighting I.  Q. Da ta ever since. I do not owe them {$880.00}. Because of this I  may  have lost a wonderful opportunity for me to get a nice apartment close to my family but still live independently.
I have tried reaching Experian but no one ever answers the phone. There are a few recent inquiries which were allowed that I didnt authorize. These include XXXX XXXX XXXX XXXX on XX/XX/2018 and a XXXX inquiry on XX/XX/2018 please remove these imquiries. Also XXXX I do not have a relationship with XXXX XXXX they have done soft and hard pulls I do not authorize them to look at my credit nor XXXX XXXX please update my file promptly and delete these inquiries
I have tried to contact this company three times in regards to accounts they have placed on my credit and to date I have not heard back from the company but the accounts continues to be reported on my credit file which is false.
I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.
I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will.
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates.

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
I obtained a credit card from US airways that became a Barclay card. There was an associated member fee that I did not pay due to the fact the card name was changed from us airways to Barclay and i did not realized the fact until late. the account was closed. I wanted to pay them whatever was due at the time of the account closure but they refused and keep adding an exorbitant fee each month on an closed account. I need you to help me find a fair solution to XXXX parties. I want to pay what the money for the annual fee but I do not want either to fall victim of extorsion. I believe the fee should be around one hundred dollars but now they want {$270.00} by early XXXX.
XX/XX/XXXX Bank of America recorded a reconveyance on my property, in error, that has nothing to do with me or my property. I live in XXXX the reconveyance should have been recorded against a property XXXX. XXXX should have been done XXXX., XXXX XXXX I thought the problem was resolved sometime ago, however, when I refinanced my mortgage XX/XX/XXXX, this problem " popped up again. '' I have called, written, ed faxed and provided all kinds of documentation, but to no avail.I was give a case number # XXXX which I am told was closed due to lack of a Title search. There was a title search done during my refinance and the title company forward a letter explaining the problem ( see enclosed ). Apparently this letter was rejected or ignorned. I am unable to speak to anyone other than a " clerk '' who reads notes off of a computer file, which do not make sense to me.. XX/XX/XXXX I asked if someone could contact me and give me proper instruction and was told I would receive a call within 24-48 hours. As of this writing XX/XX/XXXX NO CALL. The number I provided is my cell phone which is on all hours that I am awake. No return calls, no voice mails, no e-mails. Typical for Bank of America. All I would like to do is to have the XXXX XXXX reconveyance voided or removed from my property. Do not want any problems if and when I decide to sell my home. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
I was forced to close a certificate of deposit early with citizens bank on  XXXX / XXXX / 17  because my water heater broke, my basement flooded and I needed the money to fix it. I knew I would be charged an interest penalty for breaking th e CD however, the asst manager,  XXXX ,  at the  XXXX  MA branch informed me of a {$50.00} transaction penalty that would be deducted from my closing balance. I asked for the fee to be waived because of my long history with  Citizens,  I am a  XXXX   XXXX  customer and the emergency situation. She declined saying she was not allowed to waive fees. Told me to call phonebank. I did and the supervisor,  XXXX  declined as well. This  CD was ope ned over 15 years ago, the  XXXX  fee as far as I can recall was not part of the account agreement at that time. I have never in my life have had to beg or file a complaint in order to get a bank to issue a fee rebate. It is now a matter of principle to me. This was an emergency situation, beyond my control and I needed every dime to pay for the repairs. The outright refusal and passing of the buck between the branch and phonebank is just plain unacceptable. I will be closing ALL my accounts, refinancing my car loan and moving my investments to another bank.