WillisBack/dataset-financial-user-claim huggingface dataset:
( 1 ) I filed a dispute on or about XXXX XXXX with TransUnion Credit Company re : XXXX XXXX XXXX auto loan ( # XXXX ). The account first became delinquent on or about XXXX XXXX and led to a repossession on XXXX and is supported by the original credit report they provided to me. I requested the removal of this item from my credit report as the account has now met the 7 year requirement to date, starting from the initial missed payment that led to the delinquency. Per their own info provided, indicated the account was 120 days past due up to XXXX, which confirms the account was first delinquent on or about XXXX of XXXX. Upon completion of their investigation they provided an updated report with the past due info removed which is not an act of good faith on their part, thus refusing to delete the item. They have also falsely claimed I made a last payment on XXXX/XXXX/XXXX. I made no such payment. I have requested that proof is provided that I did such, the request have not been honored to date. The burden of proof is with the creditor/bureaus to confirm and prove what they are reporting. In support, I was again informed by XXXX that " Information is generally removed seven years from the initial missed payment that led to to the delinquency, and this account has met this criteria. Please see attached pages from TransUnion credit report and docs from XXXX credit in support. Therefore, this item should be deleted from my credit profile immediately. 

( 2 ) TransUnion is not cooperating in the removal of tax lien that was originally filed on XXXX and was subsequently paid/released on XXXX. To date, it is now more than 7 years since originally filed, paid/released. Again, in support XXXX Credit removed this same item, stating that " Paid tax liens may remain for up to seven years from the filing date and unpaid for up to 10 years. It did not state the 7 year clock to remove starts at the release date. Therefore, in keeping with the rules of the FCRA, the item should be deleted from my credit profile. See supporting attached docs from XXXX Credit.
Received pre-recorded call at XXXX personal and work phones from XXXX stating that they would be freezing my bank account in the next XXXX hours. No specifics provided regarding source of alleged debt.
On XX/XX/XXXX I cancelled an insurance policy with XXXX and XXXX ( wind/hail ) under a company called XXXX. Prior to doing so I established insurance with XXXX XXXX. When the policy cancellations were sent to XXXX, it appears the XXXX policy was cancelled but the XXXX policy was not. So since then I have been paying monthly escrow deposits which I have been told have were paid to XXXX for XXXX coverage on XX/XX/XXXX in the amount of XXXX. I had been trying to get the escrow payments cancelled for this policy since XX/XX/XXXX when I first called XXXX after I received much higher monthly payments since XX/XX/XXXX. I was told this was because of an escrow assessment done in XXXX which required higher escrow payments on the XXXX policy which is at that time I found out I was still paying for a cancelled policy. I have called XXXX at least five times since then and each time I get the run around and am told different information each time. Some of their representatives are not able to even tell me anything. I have called XXXX and emailed a document showing my refund of XXXX from XXXX and it says I have coverage elsewhere. I have been told that is enough. I sold and closed on the property on XX/XX/XXXX and prior to that date the title company could not reach anyone at XXXX  to get a payoff amount for closing. Earlier in XXXX I had requested a payoff statement which I received in the mail. It was dated thru to XX/XX/XXXX. I was able to give it to the title company so they paid the loan off after closing. The title company was contacted the next day saying I still owed XXXX which was the difference of what was owed from the XXXX policy. They said if it wasnt paid by XX/XX/XXXX I would be charged XXXX a day fee until it was paid. So not only do they owe me XXXX, now they want more for a policy that was cancelled. All they have to do is see I had XXXX XXXX on XX/XX/XXXX to know the other policy should have been cancelled like the XXXX document shows and send me back all the money I paid since then. My title company was good enough to pay in advance for me the XXXX but I will be paying them back and out more money. I just dont know what to do at this point. I cant get anywhere with them on my own.
I have tried several times to resolve this account with this collection agency XXXX XXXX. I was never notified if the debt, it was found on my daughters credit and when we called to verify it, they are trying to collect from myself and daughter on the same account. She was covered under Medicaid in the state of Oklahoma on date of services and also 18 years of age so this should not be a debt in my name to begin with I have sent the documents providing proof that was covered to the collection agency. On Friday XX/XX/2018 I called to see if had been updated and removed, I was told they could not talk to me about it because it is in dispute. I said are you telling me you cant discuss my own account with me and Im the one disputing this, she replied yes. Myself and daughter have tried numerous times to clear this up and have removed from the credit report to no avail. On XX/XX/XXXX I received a letter still requesting payment from the collection agency. I need help getting this resolved. It can not possibly be legal to try to collect the same debt from 2 different consumers
I had a direct deposit on XXXX/XXXX/2015 in the amount of {$280.00} and could n't access my money from Rushcard. They said they are having problems due to the update on XXXX/XXXX/015 and they are working hard on this issue. I have spoken to them everyday since this time and nothing has been resolved. They have no answers and I ca n't get my money out because it is saying {$0.00} balance ; even though I had a deposit on XXXX/XXXX/2015. I am very upset and bills are due.
I recently discovered unauthorized inquiries on my credit reports from credit cards and banks XXXX  has 6 of them screening reports, XXXX, XXXX XXXX, XXXX   XXXX XXXX has 3 inquiries XXXX XXXX, XXXX  XXXX, and XXXX  XXXX, Experian has XXXX XXXX and XXXX XXXX. I have contacted each bureau and advised them of the note on my credit report and how it says to not run me if they haven't called and verified me and they say its nothing they can do about it. They are no help, I want these inquiries to stop and to be removed
XXXX account listed on my credit report with Experian and XXXX has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.
I have complained about this membership fee for a couple of years now, and it was my understanding that this membership fee does not apply to me anymore because I have been a card holder with Capital One since the year 2000. I have reported this issue to the CFPB ever so often, and Capital One claims to waive the fee but continues to constantly add it back without any warning.
I have a open collection for XXXX dollars from XXXX but I do n't have XXXX. Have n't received a bill. So I was wondering if it could be identity theft. Please help.
The Shellpoint account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even Shellpoint 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Company is trying to collect debt thats past the California statute of limitations. Multiple daily calls on my work, personal, and house phone and using scare tactics including making threatening statements that law enforcements will come and arrest debt owner if no action is made immediately. They are harassing calls every day and refusing to provide proof. If phone is not answers. They are refusing to leave a message. They are also using multiple phone numbers using similar area codes and close numbers to our personal phone numbers. 

A disputed has been filed with two credit reporting agencies including XXXX and XXXX
On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. 
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. 
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. 
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.
On XX/XX/XXXX, I received a letter from Convergent Outsourcing stating that I owed XXXX for a debt back from XXXX in the amount of {$370.00}, but Convergent was willing to settle the debt for 65 % of the balance ( {$240.00} ). 

On XX/XX/XXXX, I sent a debt validation letter to Convergent because I had no knowledge of owing this debt whatsover. 

On XX/XX/XXXX, I received a letter from Convergent stating that they had satisfactorily verified this debt, and attached purported bills from XXXX with someone else 's name someone similar to mine. 

On XX/XX/XXXX, I sent a follow-up dispute letter to Convergent, informing them that again I had no knowledge of this debt, and to look at the debt validation " proof '' they sent me, it did not even have my name on it - it was someone else 's name. 

This debt should not be collectible, as I have provided ample evidence it is not my debt, and the validation " proof '' they presented bolsters my argument since my name is not even on the invoices they submitted as validation.
The person serving this Affidavit of Service ( XXXX XXXX ) committed fraud by reporting that this subpoena was served to me. 

This subpoena, resulted in a default judgment against me for {$34000.00} in the Supreme Court in XXXX County, XXXX, NY XXXX. 

I was never notified regarding this subpoena or the judgment. 

XXXX XXXX swore to a Notary Public that he legally delivered this Affidavit of Service to me. There are at least XXXX illegal statements on this subpoena. 

Now I have a Income Execution that was sent to my employer demanding the deduction of {$250.00} a month from my income.
Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.
I have not received an Interest Statement for XXXX from XXXX for account ending in # XXXX. After much trouble fromChase, I managed to close this account in XXXX this year. 
However, it should have earned interest in XXXX, when it was stillactive, as well as for two months this year. After receiving the checkto close the account from XXXX XXXX XXXX, Vice-President for ChaseAcccount Services, I wrote her a letter, dated XXXX XXXX, XXXX, acknowledging receipt of the check and asking her to have theInterest Statement for XXXX sent to me. A month has passed, and Istill have not received the requested Interest Statement. 
I received Interest Statements from all other financial institutionswith which Ihave transactions in the United States in XXXX thisyear, without having to send any reminders or special requests. Ihave no idea whether this is more incompetence on Chase 's part orharrassment for the complaints I sent about its failure orunwillingness to get my slight change in address straight from XXXX to XXXX XXXX. 
In any case, I want the Interest Statement for XXXX sent to mepromptly. I also want Chase Bank to keep in mind that it willalso owe me a statement for XXXX, to be sent in XX/XX/XXXX.
I paid a loan off with XXXX XXXX XXXX over four months ago. It still shows up as an outstanding balance on trans unions credit reporting sight. I called XXXX several times and finally they sent me a letter saying that the loan was paid off ; a visit to their web-sight XXXX XXXX that letter. I filed several complaints with transunion two of which I believe just disappeared and when i called to file one I didn't even get a confirmation number leading me to believe that I was lied to and that infact my complaint was not being investigated ; one particular that I filed in reference to this issue resulted in a letter being sent stating that  they found nothing wrong as the account showed to be in good standing. It is currently shown that there is a ten thousand plus dollar balance per trans union with regards to the XXXX account which is incorrect as there is a XXXX balance and the account has long been satisfied and closed. If you could please help me get this resolved I would appreciate it it is preventing me from buying a home after mine has been sold due to inadequate credit criteria as a result of the failure to show loan satisfaction on trans unions sight.
Creditor Name XXXX XXXX XXXX Original Creditor 12 SPEEDY CASH 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Constant phone calls to a personal cell line as well as to my work line, at a government building. On average, I have received 5 to 6 calls per day, per phone number. Today alone, XX/XX/XXXX they have called at XXXX, XXXX, XXXX & XXXX.
Western Union I made money transfers listing myself as the reciever. I did not pick them up Within 30days then Im told they no longer have access to the transaction they would need to further investigate the matter. With there back office They sent a few letters as this concerns a few transfers of which for were for XXXX $ And 4 for XXXX $ .after repeated inquiries from me stating that the money was paid correctly. I am the sender and the reciever. I repeated told them I have not picked up my the money then after so much time passed they state that the money transfer has been picked up. I ask them by whom they respond with the person listed I once again inform them that I had not picked up the transfer. I then ask them to provide the merchant location where the transfer was paid out. they refuse stating its confidential. I Have told western Union time n time again I am the sender and the reciever and I have not picked up these money transfers. They just dont care. Im out {$1800.00} total from these unprocessed money transfers.
On XX/XX/XXXX, I made a {$1600.00} US transfer to a friend via XXXX linked to Bank of America. My friend received a text message to her cell phone saying that she should receive the money soon. That never happened. 
I opened a dispute with the Bank but they dont want to return me the money, even when I have the screenshot of the text that my friend received.
Loancare.com is the servicer of my mortgage. I have reached 78 % of the original value of the property. ( 22 % equity ) and LOANCARE refuses to terminate PMI as required by the HPA of XX/XX/XXXX. The loan is current and I have never had a payment 30 days late or later. 

Borrower Name XXXX XXXX. Property Address XXXX XXXX XXXX XXXX MA XXXX. Current Principal Balance {$140000.00} .. Property Value {$190000.00}. Phone Number ( XXXX ) XXXX. Email Address XXXX.. General Loan Information Current Principal Balance : {$140000.00} Loan Origination Date : XX/XX/XXXX Next Payment Due : XX/XX/XXXX Monthly MI amount : {$96.00} Total Scheduled Payment : {$1400.00}
Experian is reporting outdated negative information about me that is clearly more than XXXX years old. As a result I was forced to pay a {$250.00} deposit just to set up a utility bill at my new residence even though the consumer report stated " NO PRESENCE OF UNPAID UTILITY OR RENTAL ACCOUNTS IN ONLINE 'S SYSTEM. '' Experian is reporting negative information about me that is XXXX years old, XXXX years old & XXXX years old. My low credit score is not a true reflection of my credit worthiness. I want Experian to be held accountable for negligently reporting bad & inaccurate information. I also want them to clear my name & record.
I have contacted XXXX, equifax, and XXXX I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.
Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail. 
I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done. 
I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited. 
***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not. 

I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in. 

They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}
Im writing this letter in hopes you can intervene to get US Bank to properly review our loan for assistance options, and keep a family in their home. The issues began when due to health reasons I lost my job of ten years, at XXXX. 

My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to US Bank.
I received a payday loan through XXXXXXXX XXXX an online payday lender. My family and are going through a hardship we have been paying the company. Although, through Hurricane Florence we have fallen behind. the company explained to us that there is an intrest rate daily occurring on the loan. Once reviewing the loan application the intrest rate on this loan is 792.82 % which is outrageous. Can you please help .... We are willing to pay back so the XXXX we borrowed and an extra XXXX but on a XXXX loan the pay back amount is XXXX.
Dear Sir or Madam of the Consumer Financial Protection Bureau, I am writing to request assistancewith Security Credit Services ( a collection agency ) and their continued willful non-compliance and willful disregard of federal debt collection laws.
In addition, Security Credit Services ( a collection agency ) is collecting on an alleged debt which is the result of identity theft. Security Credit Services ( a collection agency ) which is acting on behalf-of,  or as a buyer of, debt from the original creditor of XXXX XXXX, has been provided written notice and original copies of FTC identity theft reports highlighting these accounts as fraudulent. The original creditor of these alleged debts resulting from identity theft, has been provided with FTC compliant identity theft documentation which includes police reports and detailed personal information. 
As a result of Security Credit Services ' willful disregard of the identity theft, my credit standing and  credit reporting has and continues to suffer from the dissemination of false credit information. 
Security Credit Services is in violation of the following as it pertains to the collection of debt which is  the result of identity theft : DATE : XXXX XXXX, 2017 reported debt of {$1300.00} XXXX XXXX, 2017 reporteddebt of {$1000.00} FCRA VIOLATIONS : Violation of and Failure to comply with FCRA 615 ( f ) Violation of and Failure to comply with FCRA 615 ( g ) Violation of/Failure to comply with ending collection on a debt that did not substantiate Violation of and Failure to provide debt verification Violation of and Failure to comply with FCRA Section 623 ( a ) ( 1 ) ( C ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) ( B ) Violation of and Failure to comply with FCRA 623 ( a ) ( 3 ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) As a result of these violations, and in accordance with FCRA, Security Credit Services is liable to me in an amount specified by the FCRA.
It is my hope that Security Credit Services understands the severity of its actions and the damage it has caused. Failure to comply with the FCRA, may be result in being sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers.
The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
It is my intention to resolve this issue with Security Credit Services through the services of the Consumer Financial Protection Bureau.