WillisBack/dataset-financial-user-claim huggingface dataset:
I have notified Experian ( opened with Experian on XX/XX/XXXX and XX/XX/XXXX dispute date from Experian was received ) about 3 year+ XXXX XXXX XXXX Credit Card account that both XXXX and XXXX XXXX report as never late. How is it, that I file a report on XX/XX/XXXX and on XX/XX/XXXX that dispute is resolved? I am almost certain that Experian did not confirm with both XXXX XXXX and XXXX the details on this old credit card account. In XX/XX/XXXX I was hospitalized for XXXX XXXX and was not able to access accounts ( due to electronics limitations ) in hospital for more than 7 days. 

XXXX and XXXX XXXX explored my complaint about XXXX XXXX XXXX  and corrected my credit reports in their systems but not Experian. They need to all report the same via Fair Credit Reporting Act. I attempted to file another dispute to resolve this matter with Experian today ( XX/XX/XXXX ) but Experian system would not let me file it. I disputed this incorrect filling numerous times and Experian needs to pay fines under Fair Credit Reporting Act.
Previously, I submitted a complaint with Equifax about negative reporting from XXXX ( XXXX ), and they said if new evidence was found, I could open a complaint. 
I found more evidence and submitted a complaint XXXX XXXX XXXX, this is pending. HOWEVER, I now have even more evidence to remove the unfair negative reporting : I contacted XXXX to get the original dates of the negative reporting ( XXXX ), and would like to add that to the original dispute ( XXXX ). 

XXXX provided dates of the original debt, which was last paid in XXXX 2008 : 8 years and 1 month old. Even if XXXX or XXXX bought a debt from XXXX, they should not be able to report negatively on an item OVER 8 YEARS OLD.
I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...
My mother, XXXX XXXX, died on XXXX XXXX, 2011 and shortly after an electronic application for a credit card with American Express was submitted using her date of birth and the name XXXX XXXX. The address used was in XXXX, Massachusetts. I have not been able to obtain a copy of the electronic submission. I am the executor of the estate.
I have a Perkins loan through XXXX XXXX University in the amount of {$2800.00}. I am a XXXX XXXX and by law, I should receive a 20 % cancellation rate of my loan. My loan servicer is XXXX XXXX. I submitted all paperwork as requested, including the cancellation form and the verification of employment. I did everything XXXX XXXX requested and I received an e-mail from them indicating they received the paperwork. I called XXXX  telling them I received the e-mail and asking when the cancellation rate would be applied. They told me to give it one day to update in the system. I checked my account and the amount of my loan is still {$2800.00}. I am a XXXX XXXX XXXX   and should get a 20 % cancellation rate off my loan. Nothing has been applied.

I've called XXXX XXXX several times again and they are telling me different information. No one is helping me. First they told me it would my loan amount with the 20 % cancellation rate would be updated in one day. Now they are telling me to re-submit my paperwork, which I do not need to as I received an e-mail indicating it was received. They are not applying the 20 % cancellation rate and I need help. Please help me.
My Mortgage loan is currently held by Ditech, and Ditech has a glitch on their customer web portal, reporting wrong/erratic payment figures ( one month is shows {$780.00}, next month it shows I paid {$810.00}, next month it shows {$1500.00} ) See attached account page screen shot with figures circled in red. 
I called Ditech severally, sent several emails but Ditech never responded. I went ahead and paid the last figure ( see attached screen shot ) they were asking on the web portal and to my shock a week afterwards, Ditech puts a derogatory report on my credit stating I missed a mortgage payment ( yet no late fees levied by Ditech -- web portal stills ays i 'm in good standing the whole time ). Several calls and emails from me following the credit report has still gone unsanswered this past 3 weeks. Somebody help before Ditech ruins me!!!!
On or about XX/XX/2018, Capital One Credit card company post on my account a purchase which I never purchase with the mount of {$22.00} from the company XXXX.

On XX/XX/2018, I called to report fraud to the Capital One Credit Card company ( I also report online on my Capital One credit card account ) and let them know that I didn't purchase that amount of {$22.00} with XXXX  and asked Capital One Credit card to remove the fraud mount of {$22.00}. The Capital One credit card company told me that Capital One credit card will not removed that amount and I have to pay that amount even I never purchase.

Capital One credit card lock my card and refuse to send me a replacement card.
TO WHOM IT MAY CONCERN : I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with EXPERIAN regarding a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, the exact data being disputed was identified/circled on a copy of a previous credit report, and a narrative/explanation why the info is inaccurate, and requested Experian to delete the information, to investigate the disputed data and to provide me with documentation showing how this information is correct, because it is not. Certified letters were sent to Experian in early XX/XX/XXXX. It is now XX/XX/XXXX. Proper notice has been provided to Experian on numerous  occasions. I have not received any response back and Experian has failed to comply with their investigation requirements, per Federal and State law. I am, again, disputing the accuracy of this data ( Experians 4th notice ) and putting on the public record that Experian has negligently refused to comply and willfully violated their duties under the FCRA including updating the validity of this information. This information should not be on my file. -- -> THE DATE BEING REPORTED, ALONG WITH SOME OF THE PERSONAL INFORMATION ON THIS RECORD IS INACCURATE.< -- - Newly implemented mandates that took effect in XX/XX/XXXX clearly demand Public Records on Credit Reports MUST include and match the name, address, and a Social Security number or date of birth of the individual that record is attributed to, or else must be removed.
FOREMAN FINANCIAL-XXXX I had become ill and was on workers comp for almost XXXX years. I was unable to pay for the vehicle which was purchased for {$9900.00} and I paid {$2500.00} down with monthly car payments of {$250.00}. Due to short pay and hours due to workers comp I was unable to make the payments. Foreman Financial picked up the vehicle XXXX years ago and they are reporting the car as missed payments each month XXXX times and also shows vehicle is charged off but keeps reporting missed payments and the balance amount is false. They keep reporting {$9900.00}, {$11000.00} and {$12000.00} as owed which would mean I never made any payments at all when I did. They keep reporting this which is damaging my credit and I receive alerts XXXX times a month regarding missed payments when the debt was charged off and car was repossessed. Foreman Financial has been sued for their unfair collection and reporting practices and this company still continues to do so unfairly to damage and ruin others credit.
The company involved here is Ditech Financial LLC, previously known as Greentree Financial. 
On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. 
About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. 
This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX.
I no longer use my M & T account. I accidentally selected it to pay a bill online and it became overdrawn. M & T did not notify me via email, despite the fact that that has been their standard practice for fraud notifications and updated statement notifications. They deliberately chose not to use that standard form of communication to collect excessive overdraft fees. The bill was due XXXX/XXXX/15 the last time I had checked on the M & T account had been XXXX, and they are showing the bill in question coming out of the account on the XXXX, which is not correct or was outside business hours. I only found out about the overdraft because I could not see where the bill came out of my main bank account on the XXXX. I immediately scheduled a transfer of funds from my main bank account and called M & T they told me that since I was a good customer they would waive the overdraft fees. Despite this conversation which occurred on the XXXX, I was hit with a 5 day extended overdraft fee. I believe that M & T 's deliberate choice to not contact me via email when the overdraft occurred as well as charging me a 5 day overdraft the same day they told me they would waive the overdraft fees amounts to a UDAAP violation for deceptive practices. I would like the 5 day overdraft fee to be waived and for this account to be closed immediately.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Equifax is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old accounts have n't been removed. These are the following accounts in which I am asking to be removed from my credit file.     Account   XXXX   XXXX    XXXX  I am no longer liable for this account.     Account  XXXX   XXXX  I am no longer liable for this account.     Account  XXXX   XXXX   XXXX  I am no longer liable for this account.     Account   XXXX   XXXX   XXXX   XXXX    XXXX
My Fair Credit Act Rights have been violated by Transunion and XXXX XXXX XXXX, The reporting agency and creditor keep reporting false infomation. I've sent 2 letters to the creditor asking for verifcation with both being returned due to inaccurate address being reoprted on Transunion file. A creditor has to maintain accurate information on file with the credit agency, XXXX XXXX XXXX   violated those rights also. I demand this account be removed immediatley from my Transunion file. No creditor or reporting agency has the legal right to report false information. To make matters worst Transuion sends a letter stating they will not reinvestigate this matter again, when it was never investigated the legal way. I've been dealing with this issue since XX/XX/2017. My next step will be legal actions against both companies, if this matter is not resolved.
I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1.  XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *
We have been enrolled in the Nationwide Bi-Weekly Administration ( NBA ) Interest Minimizer program for over 3 years. On XXXX XXXX, 2015, we noticed that our bi-weekly draws for our mortgage payment had not been completed, as scheduled with NBA. Upon contacting NBA, I was informed that all of their accounts had been suspended, and that we should have received an email in XXXX informing us of the situation. We had not received such an email. An NBA representative informed me that I should continue to make my mortgage payments to my financial institution on the normal bi-weekly schedule. I contacted the financial institution, and they said it was impossible to make bi-weekly payments to them. We would need to make XXXX payment per month, as before. Had this not came to our attention through our own personal accounting, we would have not known to send any payments to our mortgage lender, and would have ended up in default. On XXXX XXXX, 2015, I discovered, through an internet search, that the CFPB had filed a federal lawsuit against NBA, due to their ongoing dishonest practices against their customers, like ourselves.. My wife and I are asking to be included in that lawsuit as a plaintive, and to be eligible for any and all compensation that may be due my wife and I as a result of the current court proceedings, as we too have been deceived by believing that we were " ... saving thousands of dollars '', by allowing NBA to handle our mortgage payments. When, apparently, that is not the truth.
I XXXX XXXX XXXX, will be doing a complete restructure of my current debt obligations outside of any bankruptcy filing. There is little hope for me if I continue carrying my current debt obligations unless I negotiate and settle my affairs directly. My biggest debt is with my mortgage, and I believe that I can modify my mortgage and get a forbearance time period so that the additional pressing debt issues are settled and resolved. Accordingly, I am request a modification package be sent to me in my email and/or to my home directly. This modification request will be completed by XX/XX/2019.
Good Evening My name is XXXX XXXX and am a XXXX XXXX XXXX XXXX and I have implementing my XXXX XXXX expertise to build publish and produce cryptography and enthuse XXXX and XXXX XXXX networks. I have been granted mining rewards for mining ether and bitcoin as well as other Tokens and coins within the cryptocurrency environment locally which is Implemented in cryptography cryptocurrencies at this time within the XXXX XXXX XXXX XXXX. I also have a dividend as well from my realtime stock strategies through my portfolios that have cash and daily real time stock exchange funds that need to be deposited on my credit card or be issued for a new or previous financial institution. I also have Holdings that are applied to XXXX/ and all financial indexes. Please fill free to contact me if you have any questions here is copy of my portfolio that I would like to gain a depository or financial institution for emergency management and Global Health.
I 've been given false representation of XXXX I 've made several attempts too have removed from my credit report a debt for National Credit Systems for a balance of XXXX I 've made attempts to contact XXXX XXXX and I 've been told that I could n't speak too any representative /manager because they no longer handle the debt any longer to call XXXX XXXX XXXX And associates who 's constantly told me they have n't recieved any supporting documents I 've give documents too all 3 parties and have been given the run around XXXX are no longer an existing bussines I 've spoken with Managment who states company is no longer opperating but will adjust the balance how they see fit being XXXX Now my issue is upon leaving XXXX the only balance was XXXX after deductions which was brought too court XXXX 2015 and Dismissed with XXXX balance National Credit Systems can no longer Collect in a debt for a non existing company also the matter was Dismised and documents where proving in support and ignored by XXXX.
After reviewing the response from XXXX on my initial dispute, they stated BofA was the once who charged off this loan in XX/XX/XXXX. I am sending you the credit history from XXXX XXXX XXXX who serviced the loan for BofA from XX/XX/XXXX until XXXX XXXX at which time BofA contacted me and told me they were assuming services of the loan and to cease payments to XXXX XXXX XXXX immediately. This is where I believe the problem occurred. I stopped making payments to XXXX XXXX XX/XX/XXXX after 2 years of on time payments per instructions from BofA. After calling XXXX, I discovered BofA did n't notify them until XX/XX/XXXX and unknown to me, they reported 4 months of delinquent payments to BofA. I was in constant contact with BofA from XX/XX/XXXX until XX/XX/XXXX when XXXX took over servicing from BofA and immediately charged off the loan. BofA starting in XXXX XXXX immediately put me into a new modification and refused to accept any payments until the modification was complete stating that they could not accept payments until the completion of the modification and assured me numerous times it would not negatively effect my credit. BofA obviously neglected to contact Real Time Solutions for 4 months after instructing me XX/XX/XXXX to no longer make payments to XXXX XXXX XXXX and must have continued negative credit reporting during the modification process and knowingly not accepting payments and eventually charged off the loan. BofA needs to remove this from my credit as it is causing me financial hardship. This loan was never delinquent and should not have been charged off. Attached is the entire credit history with XXXX XXXX XXXX, BofA and XXXX. Please research this with BofA and have the chargeoff removed from my credit per XXXX response to my initial dispute and the supplied credit history.
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of XXXX law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).  VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.
XXXX. Received an XXXX XX/XX/XXXX under insurance with XXXX XXXX at XXXX XXXX in NJ. I had received a different kind of XXXX XX/XX/XXXX and followed the same course of action for this XXXX ( which i had no disputes ) XXXX. XXXX XXXX did the XXXX which means they had received pre-authorization from XXXX, otherwise i would be denied my appointment. 
XXXX. XX/XX/XXXX i check my credit report and find a debt collection for XXXX for the XXXX XX/XX/XXXX. 
XXXX. XX/XX/XXXX I Call XXXX and they said I do n't owe but it was n't paid because XXXX XXXX did n't follow the rules. 
XXXX. XXXX sends me a letter confirming I do not owe the money. 
XXXX. XXXX calls XXXX XXXX to resolve situation. XXXX updates me and says XXXX imaging is removing the debt. 
XXXX. I talk to Onlinecollections.com to fax letter XXXX. XXXX of OC says this letter means nothing. 
XXXX I Call XXXX XXXX XXXX XXXX says you have a zero balance and print it out at this online portal. I fax the zero balance bill to online collections. I call online collections and she says it takes 3 XXXX days to get the fax. She says she will call her client XXXX XXXX to check on the balance of the debt. 
XXXX. XX/XX/XXXX XXXX of OC says it is an adjusted bill and their client XXXX XXXX still considers it a debt to be collected. XXXX of OC insists OC does n't own the debt but are working for their client XXXX XXXX. XXXX will not remove the debt from my credit report. 
XXXX. XX/XX/XXXX I call XXXX XXXX today after the above phone call and speak to XXXX who confirms I have a zero balance and there is no debt to be collected. She puts an alert on an email for someone to call/email OC. 

What do I do next? 
Get a letter from XXXX XXXX confirming there is no debt to be collected? How do i get this removed from my credit report? 

I feel helpless. 
thank you
XX.XX.17 Several days ago I decided, for general security reasons, to change all of my User Names and Passwords for my credit card accounts. This morning I began systematically opening my online accounts to make sure that these changes had been properly processed and to make sure that these changes had not caused my " Pay From '' account information to be disrupted. When I went to my card 's Account Management page, I saw that the " last four '' of the two bank accounts I 'd linked to this site were in place. However, I was shocked to see that the full name of the bank in which these accounts are held was in full sight ( in capital letters, no less ) of anyone who might gain fraudulent access to this information. So now all a crook would need is the bank 's routing number ( universal for all 250 branches ) and the other 6 numbers of my account to drain my balance. Despite the fact that credit card issuers such as XXXX, XXXX & XXXX DO NOT PUBLISH YOUR BANK 'S NAME ONLINE, apparently XXXX is unable to figure out how to forego INFLICTING THIS ABSURD, TOTALLY UNNECESSARY, HIGH RISK PRACTICE ON THEIR CUSTOMERS! CONSUMERS BEWARE! CHECK YOUR XXXX ACCT ONLINE! XXXX  IS NOT SECURE!!!