WillisBack/dataset-financial-user-claim huggingface dataset:
Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and 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 be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.
I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.
XXXX   XXXX   XXXX     {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
I filed complaint # XXXX with Consumer Financial Protection Bureau on XXXX XXXX, 2016. IN this complaint I indicated that I filed paperwork with the HAMP program with Rounpoint Mortgage Servicing Corporation , Inc., and received no reply. I also indicated that I had been working with other organizations and public assistance programs. On XXXX XXXX, 2016, I drove to the XXXX County Sheriff 's office with my fiance, XXXX XXXX, to file a complaint unrelated to this case, and was served foreclosure papers.
I CONTACTED CREDIT REPORTING AGENCY BUT THIS PROBLEM HAS NOT BEEN CORRECTED. 
I I HAD DISPUTED ACCOU7NTS, MOST OF THEM NEGOTIATED AND SETTLED BY PAYING OFF, AND STILL OTHER DISPIED ACCOU8NTS. 
MY CREDIT CONTAINS WRONG INFO, WHICH MUST BE REMOVED AND/OR CORRECTED. ATT HOW MY CREDIT HAS BEEN DAMAGED.
I had XXXX different loans under XXXX different accounts through Great Lakes. My beginning balance was {$26000.00} over those XXXX loans. I recently consolidated the XXXX accounts for ease of convenience in paying them off, and to adjust my interest rate. By doing so, my credit score took a XXXX point hit through XXXX. My loans are now being reported with a beginning balance of {$21000.00}, not reflecting the almost {$5000.00} I 've already paid down on them. My installment balances are now calculating at XXXX % of the loaned amount instead of giving me credit for paying down XXXX % of my loans. I believe they should still report the beginning balance as {$26000.00} instead of my current balance.
On XX/XX/XXXX I deposited accidentally to my Bank of America account a check from my XXXX account for XXXX dollars. The XXXX account was closed recently before this transaction. After deposit the check on the atm I made a cash withdraw for the same XXXX. I just simply had messed up. But, when I realized that the XXXX check didnt clear and I was negative in the Bank of America account, immediately I made a deposit in cash to bring the balance back to positive. 
But- they closed my account and report me to check systems for fraud not able to open another for 5 years. If a moment of not thinking cost me this situation Im in, how about those banks which American citizens had to bailout their debt in XX/XX/XXXX? What I should had done?
I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have.
XXXX XXXX XXXX repeatedly contacts myself and my family members for a debt I owe. I wish not to have my family members involved in my personal matters. They call them repeatedly which is unneccesary once they find out that is not my number they are calling.
I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
I made my payment on my credit card to XXXX aka the XXXX XXXX XXXX, and it was purposely held until after they reported it to the credit bureaus, dropping my credit score. I made the payment on the XX/XX/XXXX and the held it until after they reported to the credit bureaus.
Its a pretty simple issue. I have a credit card balance that I 'm trying to pay down, and my credit card company Chase offers XXXX methods for setting up a recurring monthly payment. You can either auto pay the full amount, or you can auto pay the minimum amount. They offer no option to auto pay an amount above the minimum, but below the full amount, therefore making it harder for the average consumer to automate and pay off their debt at something other than the minimum amount due. Its obviously unethical on their part in an attempt to force people to just pay the minimum and incur the highest amount of interest possible. The ability to offer an option to create my own payment on a recurring basis that is above the minimum payment would obviously be in my benefit and not theirs, so they do n't offer it although its an incredibly simple enhancement to make to their site at Chase.com.
on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX and XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i revived letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and insturaction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud
Dear XXXX XXXX XXXX XXXX XXXX. Federal Trade Commission & Better Business Bureau, I have a major issue with Experian CRA. I had request re-investigation on error on my credit report at-least ( XXXX XXXX XXXX times to remove " Inaccurate '' reporting of Bankruptcy. I have asked more than 4 times for information regarding " Error and details '' as well as the source of such reporting and " verify it the XXXX witch should be the bankruptcy court '' also who was the creditor and what was the amount on such stated Bankruptcy?? They just respond saying it is verified! I had contacted the Bankruptcy Court and New Jersey XXXX and received letters from both of them that the " DO NOT VERIFY OR REPORT TO ANY CREDIT BUREAU 'S! I also received a Court Letter from the " DISTRICT COURT OF NEW JERSEY '' VERIFYING THE DO NOT REPORT TO CRA 's. " THE COURT CLERK XXXX XXXX XXXX XXXX. CHIEF DEPUTY. CLEARLY STATING THERE WERE ( XXXX ) XXXX SEARCHES DOES NOT SHOW ANY MATCHES WITH MY NAME " XXXX A XXXX. I had forwarded these XXXX letters to Experian requesting removal of the " In-accurate '' reporting. They just responded stating again verified!!! I can not find employment because of background check showing such detrimental reporting also because of such financial situation from not being able to find work is leading to a possible Divorce and not mention I have lost my XXXX less than XXXX weeks ago. I truly and sincerely hope that XXXX can help with the removal of such distressful reporting. Thank you for your understanding and hep. Sincerely, XXXX XXXX XXXX. ( XXXX ). 


Their Response : XXXX XXXX NJ XXXX Dear XXXX XXXX, This message is regarding Complaint ID # XXXX Experian XXXX you for following up with XXXX regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX XXXX XXXX as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' If you would like to pursue this complaint further it XXXX be helpful for you to contact the following agency ( XXXX ) : Federal Trade Commission XXXX Washington DC XXXX Website : XXXX I have tried to contact FTC, and were referred Bureau of Consumer Financial Protection XXXX
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that used to verify the accounts I disputed. Being that they have gone past 30day Mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
I have written and called Experian numerous times. This account, XXXX XXXX XXXX, is not mine. I have never had a credit card with XXXX XXXX with the account number XXXX. This account also has the exact same balance as another account on my report. 

Neither Experian nor XXXX XXXX has provided me proof that I have opened this account, balance/ payment history, or any proof whatsoever that it belongs to me. 

Experian is showing that I had a credit card, account # XXXX, balance {$10000.00}. This is incorrect and needs to be removed. This negative information is causing me a significant amount of damage to my reputation and credit score.
XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " XXXX XXXX '', XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my XXXX XXXX and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting XXXX accounts to the credit bureaus, including XXXX original accounts and XXXX new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
My personal license is not expired. The report shows it valid until XX/XX/2019. Please re-run the report again.
For a year Capital One has been sending my late mother, XXXX XXXX XXXX DOB : XX/XX/XXXX DIED : XX/XX/XXXX letters that she has been preapproved for a Venture credit card. She can not opt out to receive this letter because she has been die over thirteen years.I have a living XXXX year old cousin that live in gov. housing and have had XXXX XXXX that receives these letters, also. If my mother was living what would a XXXX year old need a credit card to earn travel miles and on XXXX????
A pay day loan listed as XXXX,XXXX is listed at Check into Cash on my credit report.I never took out that loan.
In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have.
I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.
I disputed XXXX XXXX XXXX on my XXXX report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet XXXX  and transunion verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!
Received a call from XXXX XXXXXXXX on an account for XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX a year after the agency called me on a bill for XX/XX/XXXX. This date of service was for XX/XX/XXXX, on the call for XX/XX/XXXX date of service I gave Ability my health insurance info which was XXXX XXXXXXXX and inform Ability staff to please also bill XX/XX/XXXX account. Ability staff gave info to XXXX XXXX XXXX and XXXX XXXX XXXX failed to bill XX/XX/XXXX date of service to XXXX XXXXXXXX. When I spoke to XXXX XXXX XXXX they advised me that they would like have account removed from collection and written off. But that has not been done.
Inquires were removed and re-inserted without any notice or reasoning : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
There has been no response from Seterus since XXXX/XXXX/XXXX XXXX XXXX. to my answer concerning missing documents. 
I officially began this journey for a loan modification XX/XX/XXXX, that is XXXX months ago. XXXX, XXXX, and now Seterus have followed the same script that must have been developed by XXXX. Lost documents, bogus loan modification offers, numerous requests for new loan modification applications ( XXXX by Seterus in 10 months ), input of incorrect figures to produce negative NPV statements, just to name a few, the list is extensive. I have XXXX large XXXX ring binders with documented behaviors. It is apparent that they have no fear of the behaviors listed in the enclosed document datedXX/XX/XXXX posted by CFPD. 

My question today is how are XXXX, XXXX and Seterus allowed to ignore the agreements they signed with Dept. of Treasury. Given the Stabilization Act of XX/XX/XXXX and the accompanying Home Affordable Modification Program Guidelines issued XX/XX/XXXX by Dept. of Treasury, the CFP Bureau should be able to bring pressure to resolve the continued bad behavior towards borrowers asking for loan modifications. 

I have enclosed a NPV statement in accordance Modification Program Guidelines also I am uploading the latest set of documents sent by mail to Seterus for your consideration. 
Request for loan modification documents dated XX/XX/XXXXSeterus denial documents dated XX/XX/XXXX received my me XX/XX/XXXXLetter from me disputing their denialAll documents listed below are available thru XXXX search. 

XX/XX/XXXXCFPB Rules Establish Strong Protections for Homeowners Facing ForeclosureNew Rules Prevent Servicer Surprises and Runarounds for Mortgage Borrowers1 -- EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX2 -- FINANCIAL AGENCY AGREEMENT for a HOME OWNERSHIP PRESERVATION PROGRAM under the EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX with Fannie Mae entered into with Dept. ofTreasury, XXXX/XXXX/XXXX. 

3 -- Home Affordable Modification Program Guidelines issued XX/XX/XXXX byDept. of Treasury. Pay particular attention to the portions as it relates to NPV, pages XXXX and XXXX, also Net Present Value Model Parameters on page XXXX. 

4 -- Copy of NPV evaluation results derived from data extracted from loan modification denial on XXXX/XXXX/XXXX by XXXX XXXX. XXXX pagesSincerely, XXXX XXXX
My HLOC was transferred from XXXX XXXX to XXXX XXXX XXXX. I made my first payment of {$310.00} to Rushmore on XX/XX/2018 through XXXX bill pay. Subsequestley Rushmore called me and said they had not received the payment. I contacted XXXX and they verified that an ACH payment of {$310.00} was sent to Rushmore and cashed on XX/XX/2018 by Rushmore Rushmore continued their daily dunning calls and said they had not received payment. I obtained a proof of payment form from XXXX and faxed it to the fax number supplied by Rushmore. Rushmore informed me that they opened an investigation into the lost payment that would be completed on XX/XX/2018. 

I continued to receive daily dunning calls. I contacted XXXX and they called Rushmore on three different days and stated that my payment had been cashed. 

On XX/XX/2018 early in the morning I received a call from Rushmore about non payment and they informed me that there is no evidence that they had made any investigation of my lost payment.
I was laid off by XXXX XXXX XXXX ( US ) XXXX in XX/XX/XXXX. I signed severance package offered by the company and separated from XXXX. Per mutual understanding between me and HR representative, I will not have any monetary claims against the company and vice versa after I signed agreement. Any previous employment agreement between the parties, including the Existing Employment Agreement is considered null and void after my last day with XXXX. 

After the company appointed tax preparer, XXXX, filed XX/XX/XXXX tax return on behalf of me. There was tax refund due to me. XXXX wants the refund forward to them as this would be the case if I was still employed by XXXX. I disputed XXXX 's claim and requested them to provide me evidences to support the claim. I never got any response. 

XXXX HR then notified me that this is considered a debt and it will be sent for debt collection. I notified XXXX HR service desk that this is not a valid and it was in dispute. Recently in XX/XX/XXXX, I got a letter and emails from Cedar Financial who informed me that XXXX XXXX has sent disputed debt for collection. I requested to provide me with supporting evidence that shows I owe the debt. I was provided with same information XXXX HR had provided without proof that I owe the debt.
My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.
To whom it may concern : On or around XXXX/XXXX/2016, I visited a newly built XXXX in XXXX, NJ. My only purchase was a white throw pillow. The cashier offered me a XXXX XXXX customer rewards card. I told her that I did n't need one today. She stated that I would receive an additional 10 % for signing up for one. I acquiesced and provided her with my information. I also asked her several times if this was a store customer card or a credit card. She confirmed several times that it was only a loyalty card. She handed me a form and asked me to add my SSN and sign the bottom of the form, which I did. When I finally came to my senses I realized that she had run credit. I IMMEDIATELY called for the manager of the store. She apologized profusely for the cashier making this error. The cashier DID NOT understand the difference between the loyalty card and the credit card. I asked the manager to phone customer care straight away so that I could have the inquiry removed from my report. They said that within 90 days the inquiry would be removed. On XXXX/XXXX/16, I received a letter stating that my application was declined because of income-THIS IS BECAUSE I DID N'T COMPLETE THE APPLICATION WITH ANY INCOME LISTED! I had no idea that I was applying for credit at all.
Since Last XXXX I have had an Erroneous collection Listed on my Trans Union Credit Report from a certain XXXX XXXX XXXX dated XX/XX/2017. I have asked Trans Union to investigate this with the total of more than 45 days+ elapsing with no satisfactory response. No reporting completion of any kind was submitted nor a notice or explanation of why the collection remained either. Nor Was I sent certified notices of contact from the collection furnisher.
I sent an investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but have not.
Last Reported XX/XX/XXXX Collection Agency CENTRAL FINCL CONTROL Original Creditor XXXX XXXX HOSPITAL Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$280.00} Remarks Chapter XXXX ; dispute resolved/ consumer disagrees This account is still reporting on my check report as open. I have disputed this several times to the XXXX credit bureau that this account should be closed and removed from my credit report. The creditor agreed to remove this item from my file. This is having a negative impact on my credit score