WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX   and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in   XXXX   XXXX   we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to   XXXX   XXXX   XXXX  , please see the attached payment history with shows every payment that I have made on this account since   XXXX   XXXX   XXXX  . Unfortunately,   XXXX   XXXX   XXXX   is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on   XXXX   XXXX  . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $   XXXX due  XX/XX/XXXX .  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,   XXXX   XXXX   XXXX   is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
{$430.00}, XXXX XXXX, I have talked to representatives multiple times about a debt XXXX XXXX states I owe and told them numerous times that I do not remember ever applying for a capital one card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from XXXX XXXX and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to XXXX XXXX and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, XXXX is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for Experian, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
On Friday XX/XX/18 I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank XXXX XXXX XXXX. The first name on the receiving account was XXXX. As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money, as no merchandise was ever exchanged.
My account is currently negative {$14.00} and some change. This is surprising since I have deposited roughly {$1700.00} in the last few days as well. On Friday a deposit was made from payroll that made me positive. Wells Fargo reordered ACH transactions that were done on the same day so that the larger {$400.00} payment came out before the smaller {$120.00} payment came out causing me to be charged {$35.00} overdraft fees for both when I might have had XXXX otherwise. Then a second ACH deposit came in on XX/XX/XXXX and they delayed the deposit an additional day causing me to be charged XXXX more {$35.00} in overdraft fees. Not only that, but because this puts my account negative again any transaction that clears that is current pending will cause even more overdraft fees. Wells Fargo continues to go against their own policies and engaging in behaviors to defraud their customers. This behavior needs to be stopped.
I was looking at my account and I see that there were withdrawals and transactions in different states. I called and disputed the charges and they will give me a credit but will always reverse it and charge me all these overdraft fees. I was told that someone was deposited a check in my account and it was from my other account but that is impossible because I ldont have any checks for any of my accounts. I deposited XXXX in the account on XX/XX/2016 and now its all gone and I am being told that I just have to deal with it. I did my part and I am being told that it was not enough
I have received a collection notice from a collection agency in the name of XXXX. I am pretty sure this is not my debt since I have not visited a doctor since 2002 and have never used XXXX as far as I know. It could be for XXXX my family members under my insurance but why is it being sent to me in my name and why did XXXX never send a bill?
calls repeatedly from different phone numbers within minutes of each other.    XXXX    XXXX   -  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  - blocked number  XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   -  XXXX  They continue to call numerous times a day asking me to verify personal/secured information before telling me who they are or what they are calling about. I have explained when my pay day is and when I would be submitting payment and to stop calling until that day but they continue to call. I have requested they mail me the information and they refuse.
My mother had a Capital One card, few hundred dollar balance. She became ill, XXXX XXXX, did n't think straight. Did n't pay the bill. I was on the card, too. They refused payments, sued her, and set up a payment plan. They knew she was dying. The last payment - through a court! - they claim was n't made despite it being thru the court and the court having a record of it. Thus, I now owe them a fortune like {$7000.00}. Basically, they just refused to cash the last check, did n't ask the court to send another XXXX, so they could go after me a few years later. 

Now I am sick and uninsured. I will be garnished if I could work. I do n't know what to do. 

Also, they served us the papers at a fake address. Despite knowing our addresses just fine ( listed phone numbers! ) when ti came time to collect.
Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''.
I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.
on XXXX XXXX I rented an apartment from XXXX XXXX in XXXX Ga. I initially paid six months upfront and every month I was never late. I stayed there from XXXX XXXX to XXXX XXXX. In months prior to me moving out I have made and requested several request for them to get an exterminator to come because my apartment was having pest problems due to surrounding neighbors such as ; bed bugs and roaches and no given point did they ever send anyone to help me in which I had to pay out of pocket at which I was paying an added amount with my rent for extermination. I called again requesting that they send someone due to the continuous leaking problem that was coming from the upstairs unit. they fixed the leakage but never the water damage that occurred to the carpet, doors and walls. at this point my living condition was in humane in which I decided to move out. a letter was sent to my door in XXXX advising that my lease was up for renewal in XXXX, I wrote a letter and gave I to them advising that I will not be renewing my lease and I will be leaving out on XXXX the XXXX in which I did. after a month they sent me a letter that I owed them nearly {$3000.00} in which is not correct. I paid them their money for XXXX and I do not owe them anything.
DEMAND FOR CFPB INTERVENTION ON ELIMINATION OF " ZOMBIE DEBT '' MAINTAINENCE ON CRA 'S!!! 
Attached are XXXX or several old mortgage debts that went into default many years ago, some may in fact be well over seven ( 7 ) years since they first went into default. If a full investigation was performed by the original procuring bank on any or all of these mortgages that are still on my credit bureaus, a determination can be made as to care of the property : 1 ) if the property is occupied, 2 ) if the property is an issue pertaining to urban blight, 3 ) or if the property has been seized by any servicing agency through a legitimate foreclosure process. Accordingly, I believe that the CFPB must without exception move quickly into the devastation being done to consumer 's credit on mortgage, credit card and student loan debts that simply are not collectible, and that the total responsibility on this abuse sits with the debt service/collection industry. In fiscal year XXXX, the Federal Trade Commission, the oversight federal agency of the Consumer Financial Protection Bureau, made a determination that the debt collection industry in relation to the application of the legal application of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act is broken. The introduction of the " Consumer Reporting Fairness Act '' is a great step to improvement of that system. Now the FDIC is stepping with guidelines towards abandoned properties. There are several methods the FDIC would like to see happen to limit foreclosures. The FDIC finds that there are unlimited foreclosure processes that simply are not necessary, that workout arrangements can be made without the long and costly legal process, a process that eventually is paid for by the FDIC, and eventually the United States taxpayers. The FDIC has established a very specific criteria on how banks should approach the foreclosure market, otherwise known as the " Zombie Market ''. 
1 ) Obtain and use the most current market value information on the property and use current valuation information when making the decision to initiate, pursue or abandon the foreclosure process. 
2 ) Implement criteria for determining when their lien ( s ) should be released due to the financial considerations they may face due to stopping the foreclosure. In some cases, the institution may face litigation. 
3 ) Notify appropriate state or local government authorities such as tax authorities, courts, or code enforcement departments of their decision to abandon the foreclosure process, and they must comply with the applicable state and local laws. 
4 ) Notify the borrower ( s ) that they will no longer be pursuing foreclosure, whether or not the mortgage holder has released the lien, the borrower has the right to occupy the property until a sale or title transfer occurs, and that the borrower is responsible for the remaining balance on the mortgage loan and for maintaining the property. 
5 ) Use reasonable means to contact the borrower in order to provide the notice described above, particularly in cases where the borrower vacated the property because the foreclosure process was initiated.
On XX/XX/XXXX, I put in an order for {$500.00} of XXXX through my linked checking account. I received a confirmation e-mail at XXXX XXXX EST that day for that order. Following the confirmation e-mail, I received another e-mail saying they were unable to process my transaction due to a mismatching of names between accounts. My account was restricted at this time. The e-mail said to contact support regarding the issue and that if they did n't hear back from me before XX/XX/XXXX, they would cancel the transaction. It also sent a link to verify my identity. I followed the link and process and was told my identity was verified ( with a green check mark ) and to click to continue. The continue button did not lead to another page and led to the browser timing out. I tried multiple browsers to no avail. At XXXX XXXX, I put in a ticket to support and received a confirmation e-mail.
On XX/XX/XXXX, I received a response from support ( XXXX XXXX ) at XXXX XXXX. This was my first apparent contact with a real individual. The response was essentially the same as the auto response I had received 2 days prior and gave no additional information or resolution. At XXXX XXXX, I received two e-mails stating my previous transaction could not be completed and had been cancelled, even though I clearly had contacted before XX/XX/XXXX. At this point, I had chalked the lost transaction up to a loss and figured my account would be unrestricted shortly after following the suggested steps ( un-linking and re-linking the bank account for future transactions ).
On XX/XX/XXXX, my account was still showing as a restricted account. I sent another ticket to support at XXXX XXXX and received a confirmation e-mail. I received a response from support ( Coinbase Support ) at XXXX XXXX It more or less repeated the same information received on XX/XX/XXXX, and again offered not further steps or resolution. This response did suggest to make sure that I had verified my ID with them by submitting my driver 's license. I did check to verify that I had uploaded my ID with them and I found that I had in fact done so in the past and it was showing with my account. The e-mail response ended by asking if I needed anything else, to please reply. Since I had received no useful information or resolution, I replied at XXXX XXXX and AGAIN asked how I go about getting the account off of restricted status.
On XX/XX/XXXX, my account was still showing as a restricted account and I had not received a response to my email on XX/XX/XXXX. At XXXX XXXX, I emailed again and stated to support that I still had not received any assistance or contact regarding my account. I advised that I would be contacting the CFPB on XX/XX/XXXX, if I did not hear from them by the end of the day.
As of XX/XX/XXXX at XXXX XXXX, I have not heard back from support and my account is still restricted.
CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : XXXX
I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As this debt collector is not entitled to collect on a debt in the state of Florida.
I have been disputing late fees with merchant for over 4 months. Credit issuer changed banks, payment was submitted and returned. Contacted merchant and provided bank documentation showing returned and paid checks - was told by CSR that they would credit account of late fees due to their internal error in posting payments. I have called at least XXXX different occasions, merchant continues to charge late fees and refuses to credit the late fees all the while tacking on more late fees. 

Contact dates/reps : XXXX XXXX, XXXX XXXX @ " XXXX '', XXXX XXXX @ " XXXX '', XXXX XXXX @ XXXX XXXX
After being solicited by XXXX of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), and would call us back on Monday. They did not call back on Monday, and on Tuesday I called to get the status and asked to have our application handled by a different branch location. We are currently waiting to hear back from the district manager concerning this request. No one at the bank seems willing to help us despite being a long-time existing customer and after having been actively solicited by their banker for this product.
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.
Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. 

And they were attempting to collect an 8 year old debt that was discharged long ago.
XXXX had a data breach, and I was one of the victims of this data breach. Due to the nature of this problem in which my name, license number, social security number, and address were leaked, I felt the need to freeze my credit. I was charged fees for freezing my credit and I feel that this is injust. I am asking to be reimbursed XXXX dollars in charges for freezing my credit, because this was a necessary step that needed to be done after XXXX 's security breach. I should not be charged, and neither should anyone who 's information was leaked due to XXXX 's negligence.
My discover card statement was automatically deducted from XXXX checking, in the amount of {$380.00}. I downloaded the statement and when i calculated the numbers i came to a different amount of {$350.00}. 
these are the amounts from statement. 
XXXX {$37.00} XXXX XXXX {$10.00} XXXX gas XXXX XXXX XXXX this is a credit to acct. I returned merchandise. 
XXXX {$8.00} XXXX gas XXXX {$290.00} XXXX tires XXXX {$380.00} direct pay full balance. 
If you want I can e-mail the.
XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by ABC Financial, the financial company for XXXX XXXX. I also mailed a copy of my Arizona ID and a letter expressing my wish to cancel by certified mail as they requested. ABC Financial continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my Arizona ID was not readable, and therefore they could not cancel my membership! XX/XX/XXXX, I received a notice from a collection agency called XXXX XXXX XXXX, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.
Someone broke into my wife car, stole her driver license. Then broke into someone else car and stole their checkbook. Then wrote a check for {$1900.00} to my wife. Then using my wife driver license, went to the bank and cash the check. When the check bounced, the bank took {$1900.00} from our account to cover the loss. 
When we contact the bank we were told that this is not a simple fraud case and that we need to WAIT 60 BUSINESSES days before they can determine a solution. Obviously, the teller that cash the check didnt follow the bank policy and didnt confirm that the person that were cashing the check was not my wife. We have a police report and we also contact the bank on the day that my wifes identity was stolen to cancel our credit cards, checks, etc.
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( Equifax : XXXX UNKNOWN Equifax : XXXX XXXX, XXXX XXXX XXXX ( Equifax : XXXX : XXXX, XXXX XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX ( Equifax : XXXX XXXX : XXXX : XXXX. I requesting the above accounts be removed from my credit report.
A fraudulent retail card was opened up on my behalf over a month ago with XXXX jeweler without my consent. The bank that issues this card is XXXX I have never made this transaction nor do i recognize this activity on my credit report. I do not know the exact day it was open but i know it was some time during the end of XX/XX/XXXX. This account has caused my scores to decreased rapidly due to high credit utilization.