WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a disputed using CreditKarma.com on XX/XX/2018 this dipute is through XXXX on Creditkarma Inc 's website. I have not been shown any results of this dispute and the dispute is still shown as being " Pending '' XXXX  has claimed that they have sent an email of the results which they have not resubmitted to me. Furthermore since the dispute is still " Pending '' I am unable to dispute incorrect information being reported by XXXX  through CreditKarma. com Essentially having my right to dispute information denied at this time. I will attach photographic evidence that will support my claim today.
I had a line of credit that should not be reporting on my credit bureau. The credit line was originally with XXXX and then it was sold to XXXX XXXX in XXXX of 2014. My payments to XXXX were supposed to start XXXX of 2014 however I never received any statements from XXXX. In XXXX of the same year I receive a collections letter from LVNV Funding saying the line of credit has been sold them and is now reporting on my credit report. How can it be reporting any my credit as derogatory if I never receive statements or made late payments? I called XXXX XXXX and they have no record of this loan in my name of being sold. Due to the inaccuracies of this information I 'd like the CFPB to investigate this and ultimately have the collection removed.
There are several inaccurate address listed under personal information. 
The following addresses actually belong to my daughter who has a very similar name to mine : XXXX separate addresses on XXXX XXXX XXXX in XXXX, WI. I believe this occured when she submitted a change of address form in 2011 through the USPS. We were aware that there were issues with the automatic changing of addresses but were unaware that this was included on the credit report. 
The address on XXXX is also incorrect. My son lived at this address while in graduate school and this error most probably occurred with a USPS forwarding of mail at that time.
I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.
Report states last payment XX/XX/2017 which is incorrect. Balance is incorrect. Payment history is incorrect. Due to medical issue a deferment was approved to avoid late payments. However late payments were still reported.
On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.
I Have Tried At Least 10 Times To Apply For A Loan Modification : The Company Ocwen LLC Servicing Has Been Giving Me The Run Around, By Telling Me The Application Was Incomplete, And Ask For Additional Information, As I See The Information, They Say I Need Something Else. They Did This Until They Won The Sale Date With The Judge. I Have Certified Mail On Me Sending The The Applications For About A Year Or Longer.
This is my second and last complaint regarding Hunter Warfield to Consumer Financial Protection Bureau. Hunter Warfield responded to my last complaint which is below advising that they have ceased communication and reflected this on my credit and that they are not re-aging this " debt '' but they are indeed doing just that. Hunter Warfield removed this debt from my credit in XX/XX/XXXX and placed it back on my credit report dropping my credit score 42 points as though this was a new delinquent account.Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and Hunter Warfield. My first debt validation letter was sent to Hunter Warfield on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
I hav  e had 3 major problems in the last 24 hours with US BANK. My husband scheduled a transfer to ( from his US bank account ) my US bank account which was suppose to take 3 days ... here we are 4 days later the transfer failed ( no apparent reason that US BANK could provide and not the 1st time this has happened ). Secondly, I set up a concurrent transfer to take place from my checking to my saving and though its an eternal account and the bank can obviously see the funds are not available they transfer the funds anyways leaving my account over drawn which leads to bills being upaid.
My last and most conerning complaint is that when I send my son in to make a cash deposit he is turned away. I called and spoke wih  XXXX . Who tells me this is the LAW from the Federal Bureau not a Bank Policy a  nd that  XXXX  does it all the time. Being an account holder at  XXXX  I do know this is true but I also know they sent information to the consumers regarding the new policy. I reminded her that it is a policy at  XXXX  and I knew of no law stating this. She went on to accuse me of laundering money and said it wasnt their policy but law though she could not state which it was.  I called the Federal Bureau who confirmed its policies by banks not the FB law. I then called their customer service # who also stated its not their policy and that every branch has their own rules but no where in their policy does it state that they can not take the cash deposit from a non account holder. I find it super alarming that each branch can make up its owm rules on the spot based on who the manager is. It needs to be a policy or not and followed throughout the entire corporation.
XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that  XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.
Equifax has put myself and my family at risk through improper handling of very sensitive personal information. I have no choice in the matter of whether I entrust Equifax with this personal information, because in today 's society it is mandatory if I want to maintain my financial worthiness. 

Equifax literally has one job, and that is to securely maintain this information to protect and preserve my credit. They have failed in the worst possible way. Now myself and others are at risk. The size and nature of this breach, nearly 150 million people affected, means that it is statistically unlikely that the negative consequences will hit me in the immediate future. This actually presents a problem, because it makes it harder to be prepared for it. 

Obviously many of us concerned individuals will be doing everything we can to monitor our credit and watch it closely over the coming months, but with a breach of this size it could be 10 years from now that my leaked data is used against me. We are all vulnerable now, and it could happen at any time.
XXXX XXXX, Citi Gold XXXX branch Manager, wasted my time and blew me off with his unprofessional false promises. He failed to identify I.D . over a serious phone call regarding my Credit card account. Even worse, he read out my account number without identifying me as THE customer. After talking with me for only a few minutes after confirming my name, XXXX XXXX told me that he had my account pulled up, and then he read off my account number. This is Unacceptable and Unbelievable!! Where is identity Security?
I think I 'm a victim of fraud because I receive a email saying my car loan is pending I never apply for any car online, I 've been contacted trough the phone for a application for a job the same day and they ask me my information that 's why I think there is a fraud. 
Please I 'm a new resident and I 'm building my credit since 5 months and I will never apply for any loans because I 'm new with the credit score .thats why there is a fraud they even misspelled my last name on the application
During the month of XXXX, a transaction of {$390.00} took place on my account that was not authorized by me. I became aware of this transaction and submitted a claim in late XXXX. I received a response that my claim was denied in XXXX. I contacted the claim department again stating that this transaction was not authorized, and did n't receive a response. I decided to escalate the issue, and eventually sent an email to the CEO directly. The same day, I finally got a response. I was told they feel I am responsible because they believe the transaction was secure. Regardless of whether it was secure or not, it was unauthorized, and therefore this is not an acceptable answer for me. They are now in violation of the contract I agreed to when opening the account, that states I am not liable for unauthorized transactions. I refuse to pay for this, as I did not approve it.
On my credit card 's benefits page, it says I should receive " Up to 2 % purchase APR reduction when you make a purchase, pay on time and stay under the credit limit XXXX billing months in a row XXXX 0.25 % per quarter, up to XXXX max ). '' I 've had the card for several years now and I am not aware of when this feature was ever activated. I 've reached out to Citi Cards for information and was told my card was not currently eligible for any reduction, nor could they provide me with when the feature was activated.
After disputing the XXXX medical bill, it came back as verified. I contact this collection agency and told them this was not my bill, they ask me for my address and sent me a letter. In that letter, CPI listed an additional account and added a payment plan that I never agreed to.
Hello, I've tried to settle with Bank of America myself regarding 2 transactions that have been reversed on my account. First amount of {$2500.00} on XX/XX/2018 and {$7000.00} also on XX/XX/2018. These transactions are valid for goods that were purchased by the user. The transactions were made on a 3rd party marketplace. I have provided all the evidence to the bank ; however nothing has been done to resolve the issue. I am a preferred platinum honors client and they frozen my account several times and caused many transactions to fall through in which I was left paying the fees with other institutions. The user that initiated these transfers is trying to scam me out of the money by reversing their payment and claiming fraud. I've attached all supporting documents that I faxed over to them. Please assist me in making this correct! 

Thanks, XXXX XXXX
I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period. 

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS
Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against XXXX XXXX XXXX  and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
A debt collection company called Resurgent Capital services continues to report negatively to the credit bureau on an account that is not mine. I have sent letters, called and tried to work with this company. They are saying I owe XXXX from 2016. I continue to request from them proof or signature or application or something from this account and they refuse to provide.
American Financial kept calling about a medical bill they are saying was sent to collection company my husband had paid it off. the company for the medical bill did not inform American Financial of account being paid off. and their rep kept calling me and advised me she would send my account to the credit bureau which they did and it caused a negative report for me. now I want this problem corrected as soon as possible. thank you for your time.
contacted company to explain that this was not my debt after receiving dispute document requesting information about the account that I could not answer as it is not my account
THIS IS MY 3RD RE-INVESTIGATION AND I WILL DISPUTE EVERY WEEK IF NEEDED. OR HIRE A ATTORNEY. LETS MAKE SURE WE ARE ALL ON THE SAME PAGE. SOMEONE OPEN UP A FRAUDULENT BANPKRUTCY UNDER MY SS # IN XXXX XXXX NEVADA. A PLACE I NEVER LIVED NOR VISIT. IF YOU CONTACTED THE COMPANIES THEY GAVE ME 2 ADDRESS FOR XXXX XXXX THE ADDRESS WAS XXXX XXXX XXXX XXXX XXXX NEVADA XXXX XXXX XXXX XXXX ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX NEVADA. NOW IF THESES ACCOUNTS WERE PROPERLY VERIFIED THEY WOULD HAVE SEEN THAT THESE ACCOUNTS WERE OPEN IN XXXX XXXX NEVADA AGAIN WHERE I NEVER LIVED. THEN THE PERSON INCUDED THESE ACCOUNTS IN A CHAPTER XXXX BANKRUPTCY WHICH WAS REMOVED AS WELL AS A CAR AUTO LOAN THAT WAS OPEN UP IN XXXX XXXX NEVADA. HOW CAN YOU REMOVE SOE OF THE ACCOUNTS THAT WAS FRAUDULENT OPEN AND INCLUDED IN A BK BUT NOT ALL!!!!!!!!!!!!!!!!! PLEASE RE INVESTIGATE AND REMOVE THESES ACCOUNTS FROM MY CREDIT FILE. I HAVE FAXED AND MAILED OVER ALABAMA STATE ISSUED DRIVERS LICENSE AND STATE TAX RETURNS FROM THE MENTIONED OPEN DATES THAT THESE ACCOUNTS  WERE OPEN AND THEY STILL HAVENT BEEN REMOVED!!!!!!!!
I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and XXXX
1.Shellpoint Mortgage Servicing, LLC, a collection  agent for  XXXX  has been contacting me illegally concerning my home mortgage. I have an attorney of record,  XXXX   XXXX . All correspondence, or any contact, should go through her office. They have done this numerous times, and must stop this practice immediately. I had the same problem with  XXXX  's debt collector,  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  wrote a response to CFPB agreeing to extend the no contact agreement until  XXXX   XXXX   XXXX , or the alleged life of the loan.. That agreement should extend to Shellpoint, also. 2. That  XXXX ,  XXXX ,  XXXX , and Shellpoint immediately cease alleging that  XXXX    XXXX   is the Trustee on the Note of my fraudulent Loan.. On  XXXX   XXXX ,  XXXX ,  XXXX    XXXX   agreed to a  XXXX   XXXX  dollar settlement with the Dept of Justice for their fraudulent lending practices.  XXXX   XXXX  admitted the illegal packaging, securitization, marketing, sale, and issuance of residential mortgage-backed securities Their illegal conduct including, shoddy underwriting and improvident lending practices, forced many homeowners out of their homes illegally. These fraudulent Notes were converted between  XXXX  and  XXXX , including our loan.
On  XXXX   XXXX  AR Resources did knowingl y n willfully violate 15 USC 1692 ( 809 )   when they published their trade line to my credit report without sending the mandated assignment letter called for under this section if the FDCPA  n FLA STATUTE 95.11.      I say this due to  XXXX   XXXX  professionals sent this to them due to their mail being returned. Therefore, AR Resources had no VALID mailing address in which to follo w n adh ere to the FCCPA NOR THE FDCPA.     I contacted this agency on the morning on  XXXX   XXXX . I was spoken to by a very rude rep whom i informed that i had contacted  XXXX   XXXX  notified them i had ins for the  XXXX  hospital visit  n i wanted their trade libe off my report. She then connected me to a very rude condescending supervisor who told me " well i do n't wan na say i will do that n u call back in an hour n say it  is still on your report ''.
Was in year 3 of my XXXX degree in XXXX XXXX. I pulled out loans each year with Sallie Mae. Could not afford to pay for University out of pocket. I applied for year XXXX loans and was denied due to a " high loan balance ''. Now they want {$910.00} a month in repayment. Without a degree I am unable to find work paying high enough to afford {$910.00} a month and any attempt in having the loans put on income based repayment have been met with " we do not offer income based repayment on private student loans ).