WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of this year, I checked my credit report via the online Experian credit reporting site. At that time, I was aware that I would be charged XXXX dollar for a on-line copy of my credit report. While checking my credit card statement, I found that I had a recurring charge of {$21.00} charged to my account on XX/XX/2018. I have attempted to contact Experian at the number provided ( XXXX ) multiple times, but after following voice prompts am left on hold without anyone ever picking up or answering. 

I never agreed to this service, nor did I request it. I am unable to contact anyone so I that can cancel the credit monitoring service. Experians business practices and default auto enrollment in their credit monitoring service is deceptive and unethical. I would like the charge for the credit monitoring refunded and the service terminated.
My name isXXXX XXXX and i call world finance several times trying to resolve my loan problem and they keeping telling me they have nothing to do with the loan anymore and that they sold it so they cant do nothing about anything on that loan but they still reporting negative on my credit
I spoke with the collection agency person named XXXX XXXX and she was completely abusive and unwilling to work with me on anything. Told me she pulled my credit report and she proceeded to tell me that I was current with all other payments, which I was not. When I asked if I could make a payment arrangement she said, " You have NO money! How do you want to make a payment arrangement?! '' Told me to " borrow money from your mom ''. I repeatedly asked her if I was able to make a payment arrangement and she gave me no choice but to pay the amount in full. I told her I could not do that and she responded with " I 'll just send this back to the company saying you are refusing to pay this! '' Which I was not. I repeated multiple times that I was not refusing to pay it. When I told her that I could set up a payment arrangement she laughed at the amount I gave her that I was willing to pay. She then hung up on me. I sincerely hope that the call was recorded because she was completely inappropriate and unwilling to make any arrangement. I hope this is not how the company conducts their business.
I received a phone call from Seterus mortgage/debt collection company inquiring about my monthly mortgage payment. The payment was not made on the XXXX but instead on the day they called which was the XXXX. I inquired as to why they were calling within the 15 day grace period and that I have never missed or been late on a mortgage payment. They said they will call until they receive the payment unless it is made on the XXXX irregardless if the payment is made within the grace period.
I had a Federal Student loan with XXXX XXXX from 21 years ago. 
Navient obtained it and is now incorrectly reporting the loan as XXXX loans on on my credit report. XXXX loan is for the original loan amount with several months reporting late, which is incorrect. This loan shows closed, while a XXXX loan shows open as of recent for almost double the the amount of the original loan. I have sent a dispute letter to Navient for for the incorrect reporting and they have not only not acknowledged my dispute, but are continually reporting the inaccurate information. 
I waited a full 30 days and sent a second dispute letter, once again requesting proof of what they are reporting and still no response and still reporting these inaccuracies to the credit bureaus. Not once have I received acknowledgement from Navient on my request for information. They have not marked my account as being disputed with any of the credit bureaus. It has been over 90 days and by law they 're required to mark my account disputed with in 30 days.
On XX/XX/2017 a transaction was processed from my prepaid account in the amount of {$100.00} from XXXX. First and foremost XXXX should not have debited the account because I cancelled the scheduled payment however they were able to process the payment on a card that a fraud agent with Net Spend told me would be deactivated. Since I have contacted Net Spend several times to have the money put back in my account because it does not take a rocket scientist to see that with notes a fraud agent with their company told me the card would be deactivated and it was not. Therefore there should not be any question about the transaction because Net Spend 's risk management department informed me that once I activated my new card my old would be deactivated and no charges from that old card should take place. Taking 10 to 45 days to clear a dispute which was clearly their fault in not deactivating the card as I was told caused this transaction to go through.
On  XXXX   XXXX ,  2017 , a shortsale packet was sent  to Penny Mac for their review. We followed up every 2-3 days throughout this process. I understand that the file was orig inally set up to review for a short sale, but was declined because the file needed to go through a " waterfall '' process wherein it would be reviewed for other loss mitigation options which the borrower did not qualify for nor did he request. An escalated " waterfall '' review was set up, and around  XXXX   XXXX ,  XXXX   XXXX  called in to confirm his financial information, at the request o f Penny Mac. O n  XXXX   XXXX ,  Penny Mac r equested thei r RMA a nd IRS form  XXXX . We had provided the standard  RMA  and  XXXX  forms, however , Penny Mac informed us that those forms, while standard, needed to be updated with the specific Penny Mac  forms, so we provided those on  XXXX   XXXX . Subsequent follow up  with Penny Mac s howed they received but did not process paperwork sent to them, so we resent the documents again on  XXXX   XXXX , and again on  XXXX   XXXX . We were then told that  XXXX   XXXX  had been declined from the " waterfall '' process and was eligible for a short sale. The next day, we were told that the short sale review could not be completed because  the " waterfall '' review took too long and put us within 37 days of the foreclosure sale date. Because of Penny Mac 's mishandling of the file originally with the wrong review track, and their repeated misplacing of necessary documents, their " waterfall '' review took too long and because of it, they failed and refused to reschedule the foreclosure sale date to allow the short sale review, though they have been asked, twice, in writing,  to postpone the sale.
The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency
XX/XX/, 2018 I had a fraudulent collection removed from my credit reports from XXXX XXXX XXXX. I have now discovered a collection agency XXXX XXXX has placed the same collection back on my credit reports. 

This debt is NOT mine and was removed, XXXX XXXX is in violation of the FDCRA by using illegal tactics to attempt to collect on unverified accounts that they do not own and was NOT assigned to them
BBVA COMPASS CLOSED AND HAS FROZEN MY BUSINESS DEPOSIT ACCOUNT. THE MONEY THAT WAS DEPOSITED INTO THE ACCOUNT WAS DEPOSITED IN CASH IN FOR SEPERATE TRANSACTIONS. BBVA LOCAL TELLER MADE THE MISTAKE BY KEPT DEPOSITING THE MONEY INTO MY PERSONAL ACCOUNTS AND NOT THE BUSINESS. I MADE THE CASH DEPOSIT ON XXXX XXXX, 2015 IN THE AMOUNT OF {$4000.00}. AFTER THE ERROR WAS CAUGHT A MONTH OR SO LATER I WENT INTO THE LOCAL XXXX CA BRANCH TO ALERT THE BANK OF THE ERROR AND THE BRANCH REP TRANSFERRED THE MONEY OVER. NOW BBVA WONT RELEASE THE MONEY TO ME. THE MONEY IS CLIENT MONEY AND DOESNT BELONG TO MYSELF THE MONEY BELONGS TO THE CORPORATION.
for some reason I have 18 to 20 unknown inquiry 's on XXXX, Equifax. and XXXX  credit reports, I've tried to contact the company 's and the credit reporting agents, and all I get is the run around this has been going on for 3 months ..
To whom it may concern : I am writing this message in regards to an unknown acccount that appears on my credit and I have no clue where the account came from. I am unaware of the account and it is an error that you are reporting. It has cause me distress and embarrassment. I have sent several certified letters over to your company, called in and nothing was resolved. It has bought me great pain and discomfort. All I have left to do is take legal actions against your company and file a law suit at XXXX XXXX County Court House. I am allowing 72 hours and patiently waiting on your response. Please look at the attachment below.
I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA.
On XX/XX/XXXX, I disputed hard inquiries on my XXXX credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to Bank of America to remove the unauthorized inquiry. I then filed a CFPB complaint against XXXX  and Bank Of America on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX XXXX  replied to my CFPB complaint file # XXXX, I was informed through XXXX  reply to contact the furnisher of the inquiry. Which I did. 

( Bank Of America ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

Bank Of America did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, XXXX insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( Bank Of America ) giving me the run around back to XXXX that also did not investigate initially to see that Bank Of America can provide proof of consent according to FCRA laws.
2 years ago, I was paying off debt. Paid off everything I owed with XXXX hospital and XXXX hospital. I recently saw on my credit report that a collection agency is biengreported on my credit report saying I owe medical bills to XXXX and XXXX Hospital. So I called the hospitals and again they said I owed nothing. I have never received any notification from this collection company nice the hospitals which is the original creditor posted on this collection. I found out about this by viewing muy credit report. The collection company is XXXX XXXX for the amounts of {$770.00}, {$68.00}, {$150.00}.
I have no idea what is happening to my student loans from XX/XX/2009. I originally had 2 loans when graduating totaling roughly 17k. Ive sent money sparingly over the years, have bad wage garnishments, and now these 2 companies Navient & XXXX own the debt. I am outraged, last month I got a letter saying one of the loans principal was at XXXX and a month later they tacked on a XXXX fee! This was from XXXX. So now Im at roughly 45-50k off of XXXX. This Navient company only ever sends me these forbearance texts and emails where a simple yes puts Them into forbearance. I need help. I have no idea what to do about my loans. Its emotionally and financially devestating knowing what This has become. Im wondering what type of options I have. Im currently unemployed and am willing to find a public service job if it means I can get some of this crippling debt erased. I have countless letters and documents from these people.
NC State Employees Credit Union1 ) Allowed an unauthorized person, not on my personal checking account, to access and spend my solely-held checking account funds. 
And/Or2 ) Used my personal solely-held checking account as an unauthorized overdraft for an account held by another person. 

NC SECU refuses to remedy the damage done to my account, and insists that it is on me to reclaim my funds from the unauthorized party.
In XX/XX/2016 I used XXXX XXXX to refinance a house I owned. Through XXXX XXXX   process they ran my credit three times : 3x with XXXX/XXXX XXXX giving me three hard inquiries. They told me that was standard practice as they shopped my loan. This is wrong since I filled out one application. My credit score has dropped dramatically because of this.
wELLS FARGO DENIED NY MODIFICATION STATING I DID NOT BRING IN ENOUGH INCOMEAND REFUSED TO TELL ME SPECIFICALLY /I HAD A DECREASE IN EXPENSES OF ALMOST XXXX DOLLARS PER MONTH .mY RENATAL INCOME ALONE XXXX PER MONTH WOULD COVER NEARLY ALL OF A HYPOTHETICAL NOTE WITH ALL ARREARAGES INCLUDED AT MARKET RATE .tHIS IS WROG I MAKE ENOUGH INCOME TO SUPPORT A MODIFICATION /I ALSO MAKE INCOME FROM A JOB .I BELIEVE THAT THIS WAS NOT DONE CORRECTLY .I HAVE RENTS OF XXXX PER MONTH AND AND AVERAGE MONTHLY SALARY OF BETWEEN XXXX AND XXXX PER MONTH.THIS IS UNFAIR AND HAS FORECED ME TO HIRE AND ATTORNEY TO BRING SUIT FOR A MODIFICATION AND FORCE ME IN TO A BANKRUPTCY SCENERIO.I WANT TO KNOW SPECIFICALLY WHERE AND HOW I DO NOT QUALIFY .HELP THEY ARE GOING TO FORECLOSE AND THERE IS NO WHERE ELSE TO GO.
at XX/XX/XXXX ... I made a request to Rushmore Loan Manage through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XX/XX/XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to XXXX company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
XXXX confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK.
Starting in the first quarter of 2008, AMRICAN HOME MORTGAGE, HOMEWARD RESIDENTIAL and now OCWEN have conducted malpractices with me the borrower in the past including ( among other things ) : robosigning, charging improper fees, providing false or misleading reasons for denying loan modifications, failing to honor in-process loan modifications agreed to by prior servicers. As a research was conducted on my loan origination and process a number of these malpractices were found and have proof on my records. such as lack of having thje original note of my loan and not felling ashamed on that and at least giving me a fair modification that I can effort to pay. Instead I have had to request modifications a number of times through the past 7 years but have not received. At times they would offer modifications that made not sense in our finances situation such as offering a mortgage payment of XXXX while my income was not even XXXX monthly. 
My financial situation now is better then before. therefore again I went ahead and requested a modification and again this bank shamelessly is not even giving me a formal denial As matter of fact the bank representative says that the bank thinks that I requested to many modifications and did not accepted me, also they say that '' the Investor '' does not want to modify the loan .And question is which investor? because i have prove that this bank has sold my loan in the XXXX 7 times. if you need prove and i can send to you. That is why they do n't even have the original note. but no formal answer has been giving to me.. I need help. I need this bank to be held accountable on the dishonesty that they di in the past. When this bank was convicted my court on doing the same with other consumers they promised to act better with people and this has not happened at all with us. Please help us. Make this bank responsible for what they do being under lots of stress because of this matter and I need help regarding these issues.
Capital One is reporting incorrect information on my ein number and is not suppose to be to all XXXX credit bureaus.
I AM THE VICTIM OF IDENTITY THEFT AND ATTEMPTED TO GET  XXXX  ACCOUNTS BLOCKED VIA FCRA  605B.   XXXX . )  XXXX   XXXX   XXXX . )   XXXX   XXXX  . THEY HAVE MADE IT EXTREMELY DIFFICULT TO GET THIS BLOCKED. PLEASE HELP
I received a certified letter last Tuesday, XX/XX/2016 that my savings and checking accounts and my son 's savings and checking accounts, which I am a co-signer, were being closed on XX/XX/2016 and that our ATM cards were being closed on XX/XX/2016. I called the XXXX number on the letter and left a message that someone would call me back. When they called back, they said it was a business decision, no other reason was offered. I stopped at my local bank to see if they had an answer and they could not find anything. After running around to get all my direct deposits changed to a new bank and making sure all my bills were covered, I called the number again asking for a supervisor, manager or someone who does not just answer the phone with a book of basic, obscure answers call me back. After two unsuccessful messages, someone called me back and gave me the same answer, " it 's a business decision. ''
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to  amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 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.
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deletedXXXX XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT
This Past week XX/XX/XXXX, Equifax was hacked and over 145 million social security numbers have been exposed in this attack. My account was potentially affected and wanted to submit this complaint against Equifax.
I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This debt was charged off last year by XXXX and now a new debt collector has it and is harassing me. This was for equipment that XXXX did not pick up after we had moved and they were notified of move. This is ridiculous that they could pick a discharged debt and re prosecute me for this. It took 6 months to resolve this last time and now I have to go through this again?????
I was contacted by XXXX XXXX XXXX today ( XX/XX/XXXX ) on my cell phone @ XXXX, yesterday ( XX/XX/XXXX ) @ XXXX, XX/XX/XXXX@ XXXX,  XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX. They have also called me repeatedly at home.

They state that this call is being recorded and the purpose is to collect a debt. When I ask what this debt is for, they hang up. If I ask them to produce an invoice, they hang up. When I ask them to cease and desist, they hang up, but still call.

I am not aware of this debt. I have not had a debt like this within the past 7 years that I am aware of.
I advised the credit bureau Equifax that this account is outside of the federal statute of limitations for XXXX years of time barred debt they responded to me that says because of their records retention policies that they have the right to list the debt beyond the XXXX year period and that i have to wait en-light of federal laws of which this is illegal under the fair debt collection practices act