WillisBack/dataset-financial-user-claim huggingface dataset:
MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.
The payment amount on my loan with BMW Financial Services should be lower. At time of purchase the sales manager at the dealership, XXXX, stated it would show XXXX down but I was actually putting down XXXX. He also stated to give him the XXXX difference in cash and that the dealership makes enough, he needs the money for himself. Needless to say, I did not give him the money, it was supposed to go towards the loan. Numerous complaints have been filed against dealership, as well as against BMW Financial Services. I understand they can not or will not lower payment amount by restructuring the deal, however, the account is now over 30 day past due and an extension will help me as well as remedy the matter. I did request an extension before and was told no, the account needs 6 months of payments.
I have had difficulties making my payments due to a decrease in income and because of my monthly expenses being to high. My hardship began back in 2012 when my significant other and I separated. The lose of his income caused me to fall behind on my expenses and even my mortgage. I am taking care of XXXX children with only XXXX income at this time. It is difficult to stay on top of my children 's expenses and household expenses. Before the situation was to hard to deal with I attempted to apply for a modification numerous times but was denied. I have been denied over and over again since 2012. This has caused an even greater hardship on myself. Not only have I lost my partner but I am constantly being reminded that I may loose my home. Due to my file being denied several times ; I keep falling further and further behind making it impossible to catch up. The current situation of possibly losing my home has caused so much XXXX on my family and I, that I am constantly sick. 
Please help my family and I keep the home where we have so many memories. Through this request I am seeking assistance in bringing the loan current, making my payment more affordable, and lowering the balance of my loan.
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. 

Thank You
they took money from XXXX differnt bank accountThen they called the bank again without my authorization and tookmore money after the Settlement amount was satisfied. 

They are dishonest, rude, and been harassing me on the phone for weeks
Fed Loan Servicing My forbearance ended without my knowledge. I was not made aware PRIOR to the forbearance ending. They communicate through their internal website email, not through my personal email address. They will send a notification email ( sometimes ) to my personal email to state I have an email in their internal website email system. 
Fed Loan Servicing did not contact me through calls, emails to my personal email, nor physical mail. I asked for all communication to be electronic, but once the forbearance ended abruptly, I would think that Fed Loan Servicer would communicate with ALL other forms of communication to avoid late payments. 
Then, they reported to all three credit bureaus, that I am 90 days late as their First reporting. I have called to make payment arrangements, but they have NO tolerance or lower repayment structures for me because they state my income is " too high ''. They do not take anything else in account except the income ... .not family size, debt to income ratio, or any other circumstances. So, I still ca n't pay the loans. 
I asked for a print out of the communication that they state they made during this time-frame. They will not supply it. The communication they claim they made was all AFTER the forbearance ended abruptly.
Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.
There are XXXX collection accounts on my credit bureau report. All XXXX should be removed because there has been no activity in about 8 years. XXXX. XXXX. After I XXXX, I never used any credit cards or made any payments
. I sent this company a request for validation on XXXX and the tracking number is XXXX and it was delivered to a closed business on XXXX at XXXX and then delivered on XXXX at XXXX but to this date Ihave never received validation of the debt. They have had more than ample time to comply with my request and it was signed for by one of their agents whose name is XXXX XXXXThis letter that I sent them references all ( accounts associated with XXXX ) for services provided to ( XXXX XXXX ) on ( XX/XX/XXXX ). 



These accounts were submitted to, or should have been submitted to ( North Carolina ) for indigent care. ( XXXX. Indigent health care risk fund Deposits Interest Payments Reports. ) b/c I was homeless and indigent at the time of service. 

They are in clear violation of HIPPA
Re : Unauthorized Credit Inquiry I recently received a copy of my Transunion, XXXX  and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
XXXX XXXX # XXXX : XXXX XXXX XXXX I have received two checks from USAA Federal Savings bank. There was no explanation of what they were for, how they were calculated, or what issue they were intended to rectify. A representative from USAA identifying himself as, XXXX, attempted to contact me on my cell phone and left a voicemail. I have repeatedly told representatives of USAA not to call me on my cell phone. Is he even supposed to be contacting me personally? The checks sent do not cover the expenses that I have requested in my previous complaints. I have enclosed the documents for the extra expenses I was forced to incur on the advice of the USAA representative I had spoken to on XX/XX/2018 at XXXX CST.
Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.
My wife and I have a Citi Double Cash account opened in XXXX XXXX. In early XXXX XXXX a payment for the full balance was sent to Citibank. Payment was negotiated by Citibank on XXXX XXXX. We have the cancelled checks, one of which is attached. Then I began to get non-payment notices. We called to inquire. On the XXXX agent we talked to, we were told that payment was applied to an old account in my wife 's name that should have been closed a long time ago. They refused to send us a bill on the old account and refused to redirect the entire payment to the Double Cash account. They finally agreed to redirect that portion of the payment over the balance of the old account to the new account. However, I can not verify that this was done because my access to the website on my Double Cash account is blocked with a page saying payment is over due. Citibank had absolutely no authority from us to redirect payment and had no authority to re-open an old card in my wife 's name.
Equifax- I have about 20+ inquiries on my Equifax reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, us department of education XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
The problem is the Equifax has once again put items back on my report that has been disputed with documentation and police report sent for ID theft and fraud report sent as well that were removed but put back on by Equifax without notice by a letter from any Equifax representative, nor a call or text which is illegal to do. I've already disputed all of the items provided the required documents to have them removed but the items below are back on. I need your help in having equifax correct my file to ensure the information is reflected as 100 percent accurat. I thank you in advance. 

*Remove Address : XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX *Add personal statement to Call XXXX for credit apps *Remove Following Inquiries : XXXX XXXX. Date : XX/XX/XXXX. XXXX XXXX : Date : XX/XX/XXXX *Remove Collections : XXXX XXXX {$700.00} -Medical. Date Opened XX/XX/XXXX. It was disputed and removed but they put back on without notice. 
*XXXX XXXX  : {$68.00} Date Opened XXXX Not Mine- XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Date Opened : XX/XX/XXXX. It was disputed and removed but they put back *Remove Following Accounts. XXXX XXXX XXXX XXXX XXXX same Account Number XXXX : one is for {$29000.00} and other is for {$60000.00}. It was disputed and removed but they put back. I dont have loans directly with the XXXX XXXX XXXX XXXX
In 2009 my grandmother obtained a short sale home for 5 % of {$140000.00}. She learned about reverse mortgage from the tv ads we have all seen about them claiming no payments, you can live in your home comfortably, and they are government backed ( being government backed is part of their deception, it 's not a government program like grants, or cash for clunkers, it means absolutely nothing, they sold our debt to XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX claimed to be the original debt holder. ). The dvd they gave to explain their service says reverse mortgage is for people who want money ( i still have it ). What this company did was give an itemized sheet that says the principal amount was {$150000.00} and points out they will pay the old mortgage and even provide money for repairs. The closing papers mention a loan amount for {$270000.00}. That is a difference of {$120000.00} that no one in my family has seen a dollar of, but they ruined my grandmother 's credit for {$270000.00}, which raised the property taxes of the house to $ XXXX/year, the next door neighbor pays {$1500.00} and is n't even old enough for homestead. If the house was just short sold for {$140000.00}, which is the value, how could they take {$270000.00} from the house is a mystery. But let 's say the house is worth {$270000.00}. Normal banks offer 70 % of the value of a house which is {$190000.00}. So that would mean my grandmother had about {$52000.00} of accessible equity in her home. But instead they kept every penny, raised the taxes, paid the taxes that we could n't pay with money they stole, while charging us interest. They used this to say we were in default. We submitted a bankruptcy and the trustee worked closely with the mortgage company, the trustee even went as far as lying, and changing documents when we have transcipts to prove what they have done. The company is RMS ( Reverse Mortgage Solutions ) and the lender is XXXX XXXX XXXX XXXX. When we asked for relief, they told us they would accept no less than {$140000.00}, but remember they gave us no money and are holding {$120000.00}.
I've asked numerous times for debt VALIDATION and they will never send me documents I am asking for. What makes things worst before this not knowing of these accounts, my assistant sent out payment to Portfolio recovery in full on both account one for {$11000.00} and another for {$3600.00}. Payment was sent certified mail, it came to my attention when I received a refund check for overpayment on the accounts and they're still harassing me with letters that I owe them, this is absurd. I will attach copies of payments and refund check from Portfolio Recovery.
CFPB report XXXX was filed on XXXX. I informed transunion that this was submitted by fraud and that they were suppose to have a block on my account. Transunion responded that they could not find the inquiry from one main in their records. attached is from the XXXX website showing that it is still in fact on my report, even after failing to put a lock on the account and stating it was not there. also, please note that there is a ftc id theft report ( # XXXX ) out there showing that this is a fraudulent inquiry that transunion did not prevent from happening as well as inquiry from clarity. rather then fixing these inquiries, the phone rep tried to upsell me into a different credit lock since they had not done theinitial one properly
I made arrangements with Navient to bring my account current and into forbearance. I made a payment of {$240.00} on XXXX XXXX and they stated that another payment would not be due until XXXX XXXX. On XXXX XXXX another payment for {$240.00} was taken out and they are saying it was done through the online payment method. I did not log into that account at any time around that date and did not make that payment. They have agreed to refund the payment within 6 to 10 business days but my account is now overdrawn and they do not want to cover the overdraft fees. Not only am I not able to make current bills because that account is overdrawn, when money does go into it there will be several overdraft fees that will take up that money. Not only am I paying over {$200.00} a month in interest and only a little over {$20.00} is coming off of the principal each month, I am now facing more loss of money because of their screw up. I live paycheck to paycheck it 's not like I can just transfer the money over to cover it.
I have challenged the correctness and truthfulness of a judgment on my credit report several times starting in XXXX 2014 and asked Experian to verify it to be correct to which Experian tells me they have veriiedy as correct ( without doing the verification ) or reflects my request as " suspicious '', or just stalls and tries to explain their process. Experian recommended that I follow up with the Clerk of Courts with any questions about the disputed judgment. I did and could n't verify its correctness. The Clerk of Courts told me that they do not report XXXX verify any information with the XXXX CRAs at any time. I followed up with Experian with a letter telling them that the Clerk of Courts did n't verify that information and questioned their integrity to which I received a letter where they try to explain the process they follow which is in direct violation of the Fair Credit Reporting Act ( FCRA ). They [ Experian ] wrote, " We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed ... '' My issues with this are as follows. 
1. The FCRA is extremely clear about WHO is required to verify the information published on a consumer 's credit report and it is n't a XXXX party vendor that has NO first-hand knowledge of the item. XXXX 's XXXX XXXX XXXX XXXX. Defines " Verification '' as " Confirmation of the corretness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. They ( Experian ) have to have documents that support their claim that they verified the accuracy of the disputed item. It 's the business record ( the documents ) that consitutes the accuracy, not the testimony of a XXXX party witness referring to the documents. In other words, they EXPERIAN are willfully disregarding the law and illegally reporting hearsay on my credit report. 
2. FCRA section 611 Procedure in case of disputed accuracy says that if they [ Experian ] can not verify - they [ Experian ] SHALL delete that item of information from the file. 

They have not verified the information as correct according to the law and since this dispute is well over 30 days, Experian SHALL delete that item from my credit report forthwith. 

The Federal Trade Commission has recognized that the CRAs are publishing inaccurate information on consumer 's credit reports. Please refer to the attached opinion letter written by an attorney from the FTC Re : Section 603 ( d ) & ( f ) of the Fair Credit Reporting Act. Endnote # 1 - " it is important for the consumer to know that inaccurate information IS being disseminated by a CRA ''.
I received communication from XXXX XXXXXXXX XXXX in regard to a debt they say I owe. I have never done any kind of business with this company. I asked for validation with something bearing my signature that says I'm responsible for this debt. I never received anything from them validating this debt. Per the Federal laws, if they can not provide validation with a legal document bearing my signature or a contract I signed with them, they have to cease all collections.
PayPal improperly debited my account {$1400.00} in a case where I sold a canoe on XXXX. Item was clearly advertised as local pickup/no returns. Winning bidder was notified that he could pickup canoe personally, or arrange pickup/shipping in accordance with XXXX/PayPal policies. Buyer was notified in writing that my responsibility would end at time of pickup at my residence. Buyer arranged for and paid for pickup via XXXX XXXX on XX/XX/2017. Canoe was damaged in transport, and Buyer refused final delivery from his own shipper, then filed a claim against shipper and PayPal. PayPal awarded Buyer refund of {$1400.00}, then debited my account PRIOR TO hearing my dispute. PayPal user agreement states that Buyer is NOT entitled to a claim when he/she picks an item up in person OR arranges for item pickup on their behalf. XXXX agrees with my claim.