WillisBack/dataset-financial-user-claim huggingface dataset:
This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] In XX/XX/XXXX ) I disputed the following account ( XXXX XXXX XXXX Account # XXXX ) In your letter of XX/XX/XXXX and your report # XXXX you have properly deleted the circled account. In my current report the subject account has been fraudulently re-inserted to circumvent the regulations of the law.I am hereby disputing this fraudulently re-inserted account. Please furnish me with the following ; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information. ( 2 ) 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 such information ; 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. 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 be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. 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. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 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 not later than 5 business days after the date of the reinsertion Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. '' 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 applied for a loan modification with CitiMortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they furnished a 3rd party lawyer with a potential mortgage modification package without my permission. I used this lawyer one time in XXXX of XXXX for a chapter XXXX bankruptcy case. I did not give permission for citi bank to contact this firm on my behalf. On XXXX/XXXX/XXXX I requested via email for a written explanation as to why my personal, private information was sent to this firm. I received an email from my single point of contact, XXXX XXXX two weeks later on XXXX/XXXX/XXXX explaining that she was not authorized to provide the document requested and that my loan modification was being transfered to XXXX XXXX who would be my new single point of contact. On XXXX/XXXX/XXXX I was told via email by XXXX XXXX, my single point of Contact that I would need to contact customer service and inquire about why a modification purpose was sent to a third party. I have yet to receive explanation as to why my privacy was breached. Further, I received a XXXX dollar check today, dated XXXX/XXXX/XXXX regarding some wrong doing from when I was denied modification in XXXX.
I have 4 accts that are not mine but continue to report on my file when they were actually a result of identity theft.
I contacted Capital One Auto Finance on Monday, XXXX XXXX, XXXX to inform them of an extended financial hardship due to the recent disaster called XXXX XXXX. I am currently on a payment plan and have a payment scheduled to be debited on XXXX XXXX, XXXX. I called Capital One Auto Finance to seek further assistance due to my inability to work which affected my financial circumstances as a direct aftermath from XXXX XXXX. The representative advised that I would owe {$860.00} on the scheduled draft date or be subject to escalation measures which includes repossession of the vehicle. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has declared the areas where I live and work as disaster zones which creditors are made aware of. Being that I will not receive compensation to meet the demands of Capital One Auto Finance in less than a week, I am afraid to loose possession of my vehicle which helps me to transport to and from school and work daily. I have been working hard to maintain the original loan agreement even though my current pay rate is 60 % less than what I earned at the time of the loan.
I sent, b y USPS cer tified mail, a dispute and request for validation of negative information reporting against my SSN to Transunion on  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting Act , 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and Transunion and  XXXX  responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim. Transunion and  XXXX  are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.
I paid this bill about 2 years ago and it is showing on my XXXX file that it is still in collections and my XXXX file is correct showing that I paid it and is off my file. I tried calling revenue recovery to explain the situation, but they said that it is closed and that I would have to call XXXX to clear it with them. I called XXXX and they are asking me security questions that I have no idea about so they ca n't do anything for me but to fax a copy of my id and social security card and to explain the situation. I 've been having to deal with this for awhile now.
This company called my elderly father - has not ever called or left a message for me. They said they were collecting a very old debt that I was ignoring and they threatened that I needed to contact an attorney because they were going to sue me for this " very old debt. '' They identified themselves as " Agent XXXX '' like they were from some government agency. When I called them back they asked for my SSN and would not speak to me unless I gave it to them. I did not.
Account on credit report was originally reported delinquent XX/XX/XXXX. Recent credit reports are showing same account reported XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
Contacted creditor and spoke with XXXX at XXXX and XXXX XXXX at XXXX. XXXX stated that they do not change the reporting dates and we should contact the credit reporting bureaus. He also gave us the original reporting date of XX/XX/XXXX. XXXX XXXX gave us the original reporting date of XX/XX/XXXX. Credit bureau states the creditor provides the reporting dates. No one can tell us why dates keep changing. Loans have been denied due to the balance still showing outstanding. Credit report provided by lender who denied us shows this account as a charge off.
Starting towards the end of 2017, I began getting almost daily recorded calls from Transworld Systems , Inc., saying it was very important I call them to resolve a debt. The recording said toe call XXXX XXXX XXXX at XXXX. Since I knew I had no uncollected debts, I asked my accountant to the call the number. She did, and said it was clearly a scam - the company could not identify any unreported debt, but simply kept asking for personal information about me, such as Social Security #. She asked them not to call anymore. 

Nevertheless, I get these robocalls almost every day. This is obviously a fraudulent attempt to gather information about me. If it were a real debt, they would put it in writing and mail me.
I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.
I transferred money using PayPal to another account holder in the US. The recipient then asked that I do an ACH transfer instead and cancelled the PayPal transfer. I checked and saw that the PayPal debit had not yet gone through and so I sent the ACH transfer. Later that same day, the PayPal debit still went through, which overdrafted my checking account. Eventually, that payment was credited back to my checking account, I complained to PayPal about the overdraft fee, and they refunded it to me. 
Now, 9 days later, I see that PayPal has again attempted to make the same payment which was cancelled, again overdrafting my checking account, and again causing my bank to charge me a fee. This payment should never have been tried a second time, and if it was going to be tried a second time, I certainly should have been notified of this.
Person contacted me on my cell phone- i asked her not to call me on my cell phone and ended the call- she then contacted my office phone and asked me to transfer her to HR - I can not do that since I work from home but gave her the number. She called HR and told them who she was and that she was trying to collect a debt that I refuse to pay. 

I have payed this debt and have receipts but they continue to " collect '' on it.
My identity was stolen on XX/XX/ 2017. This electric company says I owe {$800.00} and put it on my credit. I contacted them and faxed them proof that is wasn't me and they say I still owe it and I have to pay. I'm trying to buy a house and they won't remove the debt from my credit reports.
I am unable to open a checking account in the United States. For many years I banked with XXXX XXXX XXXX. I would have double charges on my account by many merchants ( I believe it was the merchants that XXXX XXXX XXXX worked with or furnished access devices to ). I could not stop the double charges. The unauthorized charges then would lead to large fees and overdraft payments that were not correct to begin with. 

I decided to change bank accounts many times and the double charges by merchants followed me. The double charges were different depending on the bank. Banks and Merchants work together. Banks are required to furnish access devices to the merchants. I would see double charges with merchants that the bank would the banks furnished access devices or electronic payment devices to. For example XXXX XXXX XXXX furnishes electronic access payment device to its merchant XXXX, and I would see double charges on my XXXX XXXX XXXX account with merchants that XXXX furnishes the device to. 

When I would switch bank double charges would show up with new merchants, usually the merchants affiliated with the corresponding bank. I believe the bank then changes the statements to make it look like the customer used there pin with the card. 

I want to be paid back in full, plus interest, I want the bank and merchant to be FINED. I want to collect a portion of this. This banking FRAUD, DOUBLE charges, Excess fees, unauthorized transactions have destroyed my life. I have lost everything for looking into this. 

I have contacted endless government agencies including local and federal policing agencies. I have tried to hire an attorney to fight against these banks. As soon as I get organized and get my statements together, I get stuck. I moved out of my home XX/XX/2012 and moved into hotels thinking the banking nightmare would stop. It continued and got worse. The hotels then double charged me. I would fight with the hotels asking for charges to be reversed. I would call the bank and neither the bank nor the merchant would return the money or fees involved. 

Here is the letter with a snap shot of what has been going on. I am waiting on new statements from all banks to send to your agency. I have been contacting every other agency without understanding who to contact. 

This letter is to Checks Systems with a snap shot of the banking nightmare. The letter also includes all the government agencies that I have contacted. 

I need to be able to open a checking account. I am a very wealthy individual and would never overdraw my account. Please take a look at this. 








followed me to every bank I opened. I have contacted all the federal agency 's
I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Email : XXXXXXXXXXXX Cellphone : XXXX
CFPB : I reported this back then, and it was not even satisfactorily resolved. Again, I'm filing a new complaint in relation to my credit card account. The merchant used my credit card in XX/XX/XXXX after the fact that I had instructed the merchant not to use my credit card for any further charges in XX/XX/XXXX because the countertop got damaged, which the merchant couldn't remedy. I put that instruction in writing. After I saw the pending charges, I promptly notified Chase to stop the pending charges from going through. However, Chase was unable to stop and recover the money. Now, Chase is placing the responsibility on me to pay even though the charge was unauthorized. UNACCEPTABLE!
At around XXXX on XX/XX/XXXX, I received a call that was a recorded voice. At no time was a company named. The recorded voice offered no identity. The gist of the message was, " I received an order for you. I 'm calling from the processing division. It looks like XXXX charges pending against you. If I do n't hear from, you, I will actively pursue you at your place of employment and your residence. You have the right to contact the client directly to resolve this voluntarily. Understand that once you are located, you forfeit that right. If you have any questions call ( another recorded voice, a mechanical-sounding one, says the number : ) XXXX. '' I did n't call back. I have XXXX new entries by a company called Midwest Recovery Systems on my Transunion credit report, for $ {$980.00} each, all three of them are actually XXXX very old debt that is past the statute of limitations, with XXXX XXXX, a payday loan company from XX/XX/XXXX. I filed a dispute with Transunion. I called XXXX XXXX, they say they sold the debt in XX/XX/XXXX, and it was for {$98.00}. I am assuming that these recent messages are about the {$98.00} debt that is way past the statute of limitations. So, not only did this company ding my credit three times for XXXX debt, they dinged it about a debt that is past the statute of limitations, they jacked up the debt amount by XXXX %, they threatened to sue me about a debt that is way past the statute of limitations, they did not identify the company or the individual calling when they called my cellphone number unsolicited with an illegal collection that is on the Do Not Call Registry, and they made the message sound like I am going to be charged with a crime that I might be arrested for at my home or at my job, and they misinformed me that I have no rights once they locate me.
On XX/XX/XXXX - I had inadvertenly paid the county treasurer for my property taxes in the amount of XXXX. Since, I was an new homeowner, I wasn't aware that the escrow account would cover that amount, so an overpayment was made. The county had issued an refund and instead of sending me the money, they sent it to the escrow account and amerihome. I had requested in XX/XX/XXXX that this money be refunded to me, and it has been an nightmare of wrong answers by Amerihome. From XX/XX/XXXX they have consistently kept telling me every 7-10 business days and I would have the refund. Finally at the end of XX/XX/XXXX I started to keep an log of names and dates. On XX/XX/XXXX, I was told by an representative at Amerihome that it would be 7-10 days. On XX/XX/XXXX, I spoke with an XXXX, who informed me that the check would be delivered by XX/XX/XXXX via XXXX. On XX/XX/XXXX, there was no XXXX   package, so I called and spoke with XXXX. She told me that the check wasn't issued and it would be XX/XX/XXXX. I also spoke with an XXXX ( supervisor - emp # XXXX ), and he confirmed that the check would be mailed out and to me within 7-10 days. I called on XX/XX/XXXX, spoke with an supervisor named XXXX ( supervisor - emp # XXXX  ), and he said the check was held up and released on XX/XX/XXXX, do to an internal audit. He had told me this would now be 7-10 days from the XX/XX/XXXX date. I am getting some serious misinformation and would really like an investigator to loge an inquiry of the call logs for this request. Please help, I seem to be getting no where with Amerihome.
I transferred XXXX Litecoins into my account which shows up as a transfer in but afterwards I was unable to sell or transfer out any and It does n't show up in my balance either. It seems they have frozen these coins and have not responded as to why or what I need to do to get them released.
I enrolled in the Equifax fraud protection program on XX/XX/XXXX as a result of the security breach affecting millions of Americans. 

The website said to wait up to a few days for an email with next steps. Today is XX/XX/XXXX and I have n't received an email. I have checked my spam and trash folders. 

I called the Equifax hotline. Totally useless, no information, referred me back to website. Could n't check on status. Could n't tell me how long to wait. This hotline is itself a fraud. 

I want to know the status of my enrollment.
On XX/XX/17 Bank of America debt collectors phone number XXXX contacted my mothers home and provided information in regards to my debt to my mother. She is not a co-signer. The only information they asked for her to verify was my date of birth. No other verification were asked. 

They continued to give private information to my family member. When I called the debt collectors to inform them that they did not verify the correct person and informed then that their verification process is not strong enough they hung up the phone on me ( supervisor XXXX XXXX ) not 100 % sure of last name. I called again spoke with Manager XXXX XXXX and he assured me that XXXX will never hang up the phone. Which she did. He indicated that they can not protect information if someone impersonates me. I informed him if the verification process was stronger their would be no room for impersonation. He was extremely sarcastic when I asked why didnt you verify address or social and he responsed with a snarkly comment your mother does not know your address?
In XX/XX/XXXX I received a notice indicating that i needed to recertify my income to continue on the PAYE program by XX/XX/XXXX. I submitted my documentation before the deadline and waited for FedLoan Servicing to process my application. I followed up because it seemed to me taking a long time for them to process. I was informed that it would be processed within the normal 3-4 week time period. I informed them that they needed to be sure they certified it timely because I could not afford my payments if they were not based on my income. On XX/XX/XXXX - a month after the deadline and well after I submitted it- they notified me that my application was incomplete because I did not check off the single borrower box. I reviewed the document that I submitted and confirmed that I did fill it in. I called to ask and they told me to just resubmit and fill it out again, so I did. They drug their feet again on processes the reapplication and I again emphasized that it should be processed quickly because I could n't afford the full loan payment amounts. They took even longer to review this. I called several times to see what the delay was and they said it took a while. Even in XX/XX/XXXX they still had not reviewed my resubmission of an application I previously submitted as complete. I had to call several times. In a XX/XX/XXXX phone call they told me that the application normally took 7-10 days to process, so I was unsure what the delay was. I called again on XX/XX/XXXX because it still was not reviewed. They FINALLY said they would run my application expedited. In the meantime, my payment was due at the full amount since they drug their feet so slowly and put me through the ringer on getting this application processed. I got an e-mail to pay at the full amount and called to see what was happening with my application. They informed me that that same day I got my bill I was approved, but that I would have to pay the full amount since it magically did not get approved until then.During this call, they said they I would have to pay the full amount ( almost triple what I owe on PAYE ) that month. They suggested that I forbear on the account, saying that many consumers like this when they are in PSLF because it makes their payments lower because the loan will be bigger compared to income. I said I would prefer to pay based on my income. Also, I asked told them that the forbearance was not good because it would tack my interest onto my principal. They never informed me of that, but I knew. I asked if I could get an exception since I did n't want to forebear, and I was in this situation because of their negligence. They said that treasury controls that and they would submit a request to them. It was radio silence and eventually I decided that since they were n't informing me about whether the exception would be granted, I would have to forbear because I could n't afford it. After I finally did this, almost a month after requesting the exception that they said normally took 9-10 days, they contacted me saying I was approved for an exception, but it was too late to reverse the forbearance.