WillisBack/dataset-financial-user-claim huggingface dataset:
" " '' I have disputed this Account XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX      spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my credit score went up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
RISE is reporting on my credit report in the amount of {$0.00} for account number XXXX. Its stopping me from obtaining credit in my name. This is a fraudulent account. 

* There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
After being laid off and struggling to get bills paid on time, I contacted Navy Federal Credit Union for assistance and payment arrangements. Since doing that it 's been an utter nightmare as they have continued to ignore any arrangements made and constantly transfer funds out of my account. These transfers sometimes are reversed immediately upon contacting them, while others can take 24-48+ hours for resolution. Around 14 calls lasting 15+ minutes or longer to Navy Fed and 4 lasting with numerous cancelled transfers I have reached my breaking point and need help.
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my Equifax and XXXX   reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, Equifax and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor Equifax report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX ( see attached letter ), with the Executive Response Unit, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
While attempting to refinance my home recently, there was a debt collection in the amount of {$42.00} on my credit report which disqualified me for a mortgage refinance. The debt was reported by Franklin Collection Service, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. Phone : XXXX. XXXX : XXXX. I called them and asked them what this bill was for and why it was reported as a collection, They stated that it was for a medical co-payment bill from two years ago. I stated that I was not notified of this bill or notified that it was even turned over to collections and paid the outstanding balance of {$42.00} plus a {$15.00} service fee. I was told that the collection would be removed from my credit file, which is has not. According to the FDCPA, I was not notified that I even had a bill, and the bill was reported to all XXXX credit bureau 's without my ability to confirm its validity or refute it if was not a valid debt. The debt collector violated 15 USC 1962e Sec 807 as there was no communication by the collection agent prior to reporting the collection on my credit report. They were also in violation of 15 USC 1992f sec 808 for collecting a {$15.00} processing fee above the principle amount of {$42.00} owed. And they also violated sec 809-validation of the debt in 809 ( 1 ), ( 2 ), ( 3 ), and ( 4 ).
Hard inquiry on my credit report from XXXX that was an attempt of identity theft, I had already talked to XXXX, when they sent me a letter asking if I had made this request for a credit card, on XXXX XXXX, 2016. I called them & told them I had not requested this card, They understood & were very apologetic, They told me they contacted the credit agencies and reported this, I also joined all three agencies & sent them copies of our problem. the other agencies canceled this inquiry, but not XXXX. I have also tried through XXXX  XXXX to dispute this, but every time I tried, when I went to dispute, it never would come up so I could dispute it. I have called them to tell them, but I can not seem to get it removed.
In XXXX, I was part of a theatrical production company called XXXX XXXX XXXX. We used XXXX to set up our website. For XXXX years, I have not been involved with XXXX XXXX XXXX. XXXX XXXX XXXX is still in existence but they do not use XXXX. I have been billed XXXX for an annual renewal ( what they say is an automatic renewal ) ; I have explained to XXXX as well as XXXX XXXX the credit card company ) that, since I no longer want/need XXXX services, this charge should be null and void. XXXX claims that, since it 's not a fraudulent charge, they can do nothing about it. I never said it was fraudulent ; it is simply a charge for a service from which I legally removed myself and needs to be cancelled. Efforts to clear this up with the credit card company and XXXX have brought zero results. I am XXXX XXXX XXXX ; I do not want or need this aggravation. I want to pay my XXXX XXXX but, since I will not pay the XXXX to XXXX, I know it will be an on-going problem with interest charges being compounded by XXXX. I am hoping you can intercede before I go to the media and my congresswoman. Thanks you. 
P.S. I have an email from XXXX advising that " Your Subscription has been Cancelled ''.
To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with Transunion and XXXX multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from Transunion stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from XXXX. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my  credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told Transunion and XXXX in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.
I am not sure anything has happened but if possible I would like someone to review my loan and my payments to see that Navient has been applying my payments correctly.
I received a response letter dated XX/XX/18 back from Experian, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well
XXXX XXXX  provided false information in their initial response. I updated my contact information once I was notified of their reporting to the credit bureaus. I have an active US mail forwarding request in place, so any mailed correspondence truly sent would have been forwarded to my current address. I have received nothing from them. They have only contacted me through their internal mailbox system. If I had no idea that my payments were in repayment status, I would have no need to sign into their website to check for messages. I was also still enrolled in school during the alleged 90-day delinquent status and did not complete exit counseling. If I justifiably believed that my loans were not in repayment status, I would have no reason to log into my account to check for messages from them. They also have my account listed as e-billing only, so that also conflicts with their claim that they mailed me. I also previously contacted the company regarding this dispute to find out why I was not notified and billed, and they said that I must provide consent for them to contact me. So they are being completely untruthful in their response that they have attempted to contact me. They also lied by saying they reviewed documentation to support my claim, because I did not provide any documentation yet. Additionally, they are reporting to the credit bureaus that the dispute has been resolved. They are not following requirements of the FCRA with that inaccurate statement and the FDCPA with their dishonest collection attempts, and they also have not added that I disagree with their resolution after the dispute, which is another violation of the FCRA. Their practices are deceitful and unethical. I'm not satisfied with this company nor their response. I will continue to pursue my options to correct their illegal reporting and collection actions.
On XX/XX/XXXX, an online payment of {$2900.00} was made into my Citi MasterCard account from a XXXX Bank account ( this credited amount was shown in my statement for the period from XX/XX/XXXX through XX/XX/XXXX ). This was an authorized transfer and, as noted, was duly credited to my MasterCard account. Sometime on or about XX/XX/XXXX, this payment was removed from my Citi Cards account without my approval or knowledge.This action was shown in my Citi Cards statement for XX/XX/XXXX through XX/XX/XXXX, and was described in a letter I received from Citi Cards dated XX/XX/XXXX. To find out what happened, and to get my money put back into my account, I called Citi Cards on XX/XX/XXXX and XXXX ( on the XXXX, I was told that the matter had been turned over to a supervisor and there was no need for me to send any background documents at that time ). Then I received a letter ( dated XX/XX/XXXX ) from Citi Cards saying that the situation was being investigated in their " security department ''. I heard nothing further from Citi Cards, so I called them again on XX/XX/XXXX ; and then on XX/XX/XXXX and XXXX, XXXX. During each call, they seemed to be confused about this case ( as if they had no record of the letters they had sent to me or my previous calls, and they kept transferring me between Customer Service and Security, etc. ) and no progress was ever made. That is why I am contacting the CFPB ; it seems Citi Cards can use some help in getting this matter resolved.
Ocwen loan servicing handles my loan, on XXXX XXXX and XXXX XXXX i made my payment online, after the XXXX of the month you 're forced to make a rush payment through their website call speedpay. I 've received a confirmation email that my payment was received on XXXX/XXXX/2016 at XXXX confirmation number XXXX and on XXXX XXXX I made XXXX payment at XXXX confirmation number XXXX. when reviewing my credit report it shows I was 30 days late twice and for XXXX it shows Im 30 days late when in reality the month is not even over. XXXX credit report and for XXXX my payments do n't even show. I try to reach out to Ocwen and they would n't able to explain me why they had reported me to the credit bureaus as being late. I really need your help in investigating this issue and it seems like Ocwen do n't care. All Im asking is for my rights as a consumer to be respected and not been abused. Obviously the information reported to the credit bureaus by Ocwen is false and is damaging my personal credit and preventing me on getting approved for a loan.
This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.
There is an excessive amount of inquiries that should not be on my report. And many of them are duplicate accounts in the same time frame. I did not authorize these inquires that are on my Transunion credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. In accordance with the written instructions of the consumer to whom it relates. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. I demand the inquiries be removed immediately.
I have a unverified account from XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX Cease and Desist all further communications. XXXX XXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.,  you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through Capital One Auto Finance. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from Capital One Auto Finance on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to Capital One Auto Finance after the open date of XX/XX/2018
XXXX sold my mortgage to Nationstar. XXXX, 2014. From the first billing, I have been charged the wrong payment amount, the wrong interest rate. Can hardly get anyone on the phone. when I do they are very nice, but the problem is never resolved. I have put in numerous " contact me '' complaints on their website. They have charged me fees that I can not get answer as to what it is {$98.00} in XX/XX/XXXX and a late fee of {$25.00}. The late fee is std, but if they had been charging me the right amount I would n't be late. XX/XX/XXXX payment, I directed {$700.00} ... .their statement says they received {$600.00} ( and change ). I 've been in my house for 28 yrs and in less than a yr I feel they are trying to steal it and I 've never seen billing the way they have. Or interest only payments and {$10.00} charge to pay online. If they would just honor the mortgage agreement on the payments and interest. Now I have an attorney calling me and I 've received not one letter in the mail about foreclosure. One part of their site says I owe {$1400.00} and other says $ XXXX. I do not know what to do. I have n't been able to get springleaf to help either and I had a good history with them for 15 yrs.
Last summer I was contacted by a man who said he was Attorney XXXX XXXX working to collect a debt I owed for bed purchased I made at XXXX XXXX. He said he represented Eastpoint Group and was in XXXX, NY. He was very polite, as was I, and I explained that my loan agreement gave me 5 years to pay off the debt and if I did not within XXXX, would begin to accrue interest. He told me a lot of people make those mistakes and I was supposed to make payments during the 5 years anyway. I began allowing him to take {$100.00} from my account every payday ( and they collected {$500.00} ). I asked XXXX XXXX to send me some forms in the mail so I coulod verify the account and show the total debt and the payoff. I did not receive any paperwork, and due to a medical injury, lost my secondary employment. I called XXXX XXXX ( XXXX ) and explained my situation and again asked him to mail paperwork to me. My intention was to pay off the debt as soon asd i received my IRS refund, and he was agreeable to that. Then another person from Eastpoint began calling my mother 's house downstate ( I never gave her number and she is almost XXXX years old ). That person said his name was XXXX XXXX with Eastpoint Group ( XXXX ) ; he has called and left messages several times stating that he would have to take more serious action if he could not get in touch with me ( which scared my mother ). She does n't answer and lets home phone calls go to voicemail. Last evening, my husband got a call on his cellphone from XXXX and a female asked him for me. I answered on his cell phone and the female immediately began harassing me about a debt. When I found out she was with Eastpoint, I told her I was already working with Attorney XXXX XXXX with her company and he was aware of my situation and I was waiting on my IRS return to pay in full. I then told her I was still waiting on paperwork and had received nothing by USPS yet. I told her I would not speak with anyone else until I received something verifying who they were and what I owed, who was the original debtor and what was left to pay off. She refused to agree to sending me any validation paperwork and became extremely rude and actually screamed at me in a shrill voice, " I do n't think you are going to pay this off! '' At that point I just hung up. I then called XXXX XXXX and asked him to return my call today due to another person calling with harassing and disturbing behavior. He has not called back. 

I did online research and have read about fraudulent collectors, and also found out that XXXX XXXX is not an attorney as he told me he was. This evening, I called back the number the woman called from last night and it went to voicemail where the message identified the woman as XXXX XXXX or XXXX - I could not clearly hear the last name. 

I am very concerned that this company already has {$500.00} from me, they have never sent a validation notice or any actual paperwork at all, and I see numerous complaints about the company. I want to pay off my debt but do n't know whether this is a true collection or fraud, due to the lies told and the tactics used by several of their employees.
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.
I disputed a fraudulent account with XXXX XXXX and all three credit bureaus. Between XX/XX/XXXX inXX/XX/XXXX that fraudulent account from XXXX was deleted from my credit report. Out of spite someone internally at XXXX wireless pulled in an unauthorized credit report using my Social Security number. I am mediately was notified from my credit monitoring service. I called XXXX XXXX fraud department on XX/XX/XXXX, spoke with XXXX in which I recorded the call, XXXX admitted that XXXX ( internally ) pulled my credit to establish a paper trail against me. This was done out of spite due to me having it removed from my credit per fraud. I am seeking legal remedy, hiring an attorney as this is illegal. I never authorized XXXX XXXX to pull my credit.