WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently disputing an unverified account with Experian that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Experian is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I had a rented instrument from XXXX XXXX XXXX and returned it. Upon checking my credit report I noticed an item in collections for {$2700.00} and it was from XXXX XXXX XXXX. I called them and they sent me a copy of the receipt showing my returning the instrument, I them filed a dispute with XXXX XXXX toTranswrld ( the debt collector ) and when the decision came back it was unchanged although I attached a copy of the receipt to the dispute. I am trying to repair my credit and definitely do not need derogatory items that do n't belong there. Any help you can give me would be greatly appreciated. 
Kind Regards, XXXX XXXX
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time
Just after XXXX  a priority mail letter was delivered to a home that I stayed at temporarily while looking for a job. The person who lives there brought the letter to my home on XX/XX/XXXX. I used the mobile deposit feature in the banking app and deposited the funds. The check was dated XX/XX/2018 in the amount of {$2900.00} and was written out to me. I spent some of the money on household goods as I was XXXX  up until XX/XX/XXXX and had nothing in my home. On the XXXX I went to purchase groceries and my card was declined. I called my bank and was told that the check was reversed due to insufficient funds and that it was my responsibility to know if the funds were available prior to depositing the check. I was instructed to contact the issuing bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Upon calling them the woman I spoke with asked for the check details including account and routing number and though the routing number was correct she stated that the account did not exist. I was told that this could potentially be fraud and to call my bank. I called my bank immediately, USAA, and relayed the information I was just given and was directed to the fraud department to start a claim. After speaking with them both of my checking and savings accounts as well as my husbands checking account was frozen. To this day I still can not even access the website to view my accounts or notices. I called my bank repeatedly and was told that the money needed to be recouped immediately. I asked what my options were and was told that they had to take all of the money from all of the accounts to offset the balance. I was not given any other option but was forced ( I feel like I was forced ) to give them permission to drain all of the accounts and still owe them {$590.00}. I was told that if I dont pay the difference before XX/XX/XXXX five or take then all of the accounts would be closed and they would submit my information to collections as well as post it on my credit report. Even after explaining that Im currently unemployed and do not have any other bank accounts I was asked to write a check for the balance. I attempted to file a police report at the XXXX XXXX Police Department in NJ I was told that I would be arrested for submitting a false police report. I should also mention that the original letter came with tracking information and that my husbands account was frozen because Im listed as a joint user. Every account that had my name on it is frozen. I received a letter in dated XX/XX/XXXX stating that the check was returned because the account could not be found. I called USAA and was told that my fraud claim was denied.
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.
I financed a car through Wells Fargo Dealer Services XX/XX/XXXX. The car that I purchased was wrecked and totaled XX/XX/XXXX. I informed Wells Fargo of this and was advised that would freeze my account and all I had to do was wait for insurance company and Gap to pay off car. XX/XX/XXXX after Wells Fargo sent false information to the credit bureaus stating that I had not made a car payment since XX/XX/XXXX. I called Wells Fargo and they denied this in the beginning. Then they stated that since Gap insurance ( a subsidy ) which is affiliated with their company covered all except {$800.00} that put me in default on the loan and showed where I have not paid. I advised Wells Fargo this is not what I was told, I was told that I would be okay and my credit would not be affected. I sent information into Wells Fargo and was told that it was my fault and problem and there 's was nothing they could do to correct it because I did n't pay. I have sent several email as well as reported this institution to XXXX. Wells Fargo has reported to every bureau stating that I defaulted on the loan since XX/XX/XXXX and this has been reported every month up until XX/XX/XXXX. Wells Fargo stated they called me on XX/XX/XXXX and advised me of the default and I told them that is not true and I do n't like being lied on. I also said since you 're stating you called me pull the call because calls are recorded so pull the call. Wells Fargo have lied and destroyed my credit as well as my credit score. They try to attach a document showing where my insurance had lapsed in XX/XX/XXXX with XXXX but failed to mention that I was paying insurance through them which paid the car off. The car has been paid off yet they are still reporting that they have n't received payment. I advised them that I wanted this corrected on my credit report because this is not true, I never missed a payment. I also shared with XXXX that i was unable to get into my account after I reported that the car was wrecked and Wells Fargo said it was because I was in default and therefore I could not see any information regarding my account. This institution is very corrupt and I told them I will fight this because they lied to the credit bureaus and they are lying stating I was informed and advised that I would default on a totaled car while waiting for insurance pay off if I did not make payments. This is unacceptable and this is a practice that they are accustomed to doing. They provide false information and then blame the consumer. I would advise everyone to steer clear of this banking institution because they have no morals. They are very devious and deceptive with customers and they report false information.
I recieved a copy of my credit report while trying to refinance my house and several times before I have disputed the same issue at least ten times and they keep telling me the information is correct and I need to contact the bankruptcy court. So I contacted the bankruptcy court via email and phone and the lady at the bankruptcy court clerks office sent me several emails to send to equifax stating they need to remove the bankruptcy 's because they were part of a third bankruptcy that was discharged. Again they said they did there investigation and said the bankruptcy 's are reporting correctly even though I sent them the copys of all the emails from the bankruptcy clerks office with her name that she told me equifax could call her and she would verify the information. I called her and she said equifax NEVER called her to verify anything. I have copy 's of her emails and I can fax them or send them by mail to the CFPB but equifax has copy 's of the emails unless they are untruthful about having them but I have a signature garentee delivery via USPS to prove they received them
On XX/XX/XXXX a lady named XXXX XXXX employed by Direct Management called my cell phone for collection of a debt that I have repeatedly reported as not owed. I had no balance due on my dental account when I changed dental facilities. On XX/XX/XXXX, she proceeded to recite my confidential dental records and threatened to forward them to my coworkers. She also threatened legal action. She is very harassing and intent that this is a valid debt. I have repeatedly asked for her not to contact me again as she is rude, pushy, and down right insulting in the manner of which she speaks with people. The debt she is attempting to collect is less than {$500.00}, our house hold income is nearly {$200000.00} per year so the ability to pay is not in question. It is a debt I do not owe. I have reported her HIPPA violations separately as she should not have access to my confidential medical records nor should she threaten to expose them to my coworkers.
I filed a Chapter XXXX Bankruptcy on XXXX XXXX, XXXX which was subsequently discharged on on XXXX XXXX XXXX. Citimortgage possessed a junior lien, {$72000.00}, on my property that was subsequently stripped by the Chapter XXXX Bankruptcy Judge on XXXX XXXX, XXXX due to the property being upside down. The last payment on this account posted on XXXX/XXXX/XXXX. Throughout this ordeal, Citibank Bankruptcy reGoing further, Citibank accepted a payment in error of {$380.00} and was subsequently ordered to refund the payment as it was sent to the in error by the Chapter XXXX Trustee. This payment was credited as a returned payment on XXXX/XXXX/XXXX. Citimortage never received a payment after this date and per the order from the bankruptcy judge, their lien was removed from the property as the property was upside down in value. Citibank has reported the wrong amount owed as well as the last payment made to the XXXX major credit bureaus in an attempt to re-age the account. I have reached out to this company numerous times. They have refused to update their records. They are in fact violating the law as their claim was stripped and reporting the total amount of the debt to be approximately XXXX dollars which is inaccurate.
Credit control services, representing infinity insurance has violated the FCRA by not providing documents to me in regards to this debt.I am unaware of this creditor and have not recieved anything that pertains this debt.This account is unverified and imediately needs to be deleted from all credit files-XXXX, XXXX and XXXX.The bussiness is required to disclose to me all of the documents that they have recorded and retained in their files that pertrains to this debt.If Credit control Services does not have any documentation they need to retract this from my credit file immediate XXXX
I am a co-signer on my stepsons student loan with Navient. I have sent them multiple messages now to contact XXXX ( stepson ) about past due amounts. I have supplied his contact info both cell, alternative phone, and new address. I even explained he was without a job for a few months. Now Navient is calling my cell phone 5+ times a day, everyday. I have already spoken to them, why the excessive calls?
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.
I have requested my report individually from Experian, XXXX and XXXX 
I have only received a report from XXXX. XXXX XXXX requested additional information after I provided to all XXXX of them my DOB, SS #, address, and enclosed a copy of my drivers license, my social security card, a water utility bill and a copy of my pay stub. Experian I never even heard back from. It has been more than 30 days since the original requests were made. 
I am now doing ANOTHER request through annual credit report but so far it is impossible to find what must be included with the request. 
Finally, I have to go through this written request process EVERYTIME I want a credit report because they ALWAYS have some of my Dad 's ( I am a XXXX ) information on my credit report so I CAN NOT answer the questions for identification. It 's has become a ridiculous pain in the XXXX to access my credit report especially when after providing more than the required documentation XXXX XXXX requests more of the exact same information and Experian does n't even deign to reply.
I very much prefer to receive a paper copy of my statement from Navient each month as I use it as a reminder to pay my bill. I almost never access my account online but somehow my preferences were updated to only receive email correspondences. Because of this change, I never got my bill in the mail and was not able to pay on time. I have very poor internet service and don't like doing my business electronically. I know that I most definitely did NOT approve or request to have my billing statements sent electronically. I understand that it is my responsibility to pay my bills on time, but my late payment is not what my complaint is about. My complaint is that my account was updated without my approval to a setting that I don't want now or ever. I have since changed it back to US mail, but I am concerned that the unapproved change will be made again. I am extremely irritated by this for many reasons.
I had a commercial account that was only had check for purchases. someone at Chase bank allowed someone to get a Debit Card on my company 's account without authorization and stole a lot of money. Since I have other businesses I did not know that money of this magnitude because I was receiving update on my account on the internet, but that stopped and the address was changed for my statements to the business address. I believe that since someone in the bank help whoever was assisting the theft they will not take care of this problem.
I had a mortgage with XXXX that was sold to Nationstar Mortgage back in 2014. I had a loan modification with XXXX, with an agreement to have the Dodd-Frank certification to reduce my mortgage by XXXX per year for paying ontime. Nationstar keeps telling me that they do not have the papr work. I submitted the documents several times. I sent them by certified mail. Sometimes they tell me they have all the documents, then they tell me that they have lost all the paper work. It is frustrating. 
XXXX XXXX
My loan from XXXX for {$36000.00} is no longer my responsibility. My truck was stolen from me and the loan is going to be paid shortly
During the life of our mortgage loan with NationStar Mortgage, they have went out of their way to misapply payments or apply them in such a way that they get the greater benefit. Most recently, I sent in  XXXX  for a principle payment and they put my money into " reserve funds '' instead of applying it. They sent a letter asking for an extra  XXXX  before they would take it out of this reserve. Yet I had sent in my regular payment with the exact and full amount days later - and they never fixed the earlier payment. Then I called them to fix it and they said they would need to have the " back office '' work on it and for me to call them back in 3 days - which is ridiculous to expect me to call back on their error that still has yet to be corrected! And I just recently sent in on  XX/XX/XXXX  another payment of  XXXX  which they proceeded to split up into a monthly payment and less principle - even though I had already paid the monthly payment days earlier. This is not the first time, and now I am sure I will have to struggle to get these corrections made while they benefit on the interest charges. I am seriously unhappy about their servicing practices. No wonder they want to change their name to "  XXXX   XXXX  ''. I will be so glad to pay off my mortgage to not have to deal with their tricks.
XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
I would like to submit a complaint regarding  XXXX . It has been well over 30 days and  XXXX  never investigated and did not send me results of the accounts and inaccurate information I disputed on my  XXXX  credit report. I mailed a written dispute to  XXXX  on or about   XXXX    . I disputed several inaccurate, erroneous and unknown accounts reporting on my  XXXX  credit report/file and requested an investigation by  XXXX . The following information and accounts were disputed and investigation requested ; any and all public judgements,  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX ,  XXXX  Mortgage #  XXXX .       It is well settled, per the Fair Credit Reporting Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer.   XXXX   has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information.
Account was overdrawn in the last few minutes before XXXX. Two small charges were paid last leading to three overdraft charges of {$34.00} instead of one.