WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XX/XX/XXXX I was first contacted via telephone message which was orignially left with my mother XXXX XXXX at an address and phone number I have not been associated with for well over ten years. In an effort to find out what they were attempting to make contact with me I called the number provided. 

I was informed in a brief conversation from an employee at Rash Curtis & Associates that I owed on a debit in the amount of {$9700.00}. Before I would allow the associate to go anyfurther I demanded a copy of the debit and alligations be sent to me for my review. 

Approximately one week later I recieved an Account Statment issued by the Debit Collector outlining a debit for XXXX on or around XX/XX/XXXX some eight years after the original claim. Knowing I never had such an account I sent the matter over to my legal counsel for review and guidance on the set forth matter. 

According to my legal counsel he first started by contacting the named Creditor : XXXX. only to be instructed that the account in question if was valid had been archived due to the age of the claim. Secondly according to the information availiable the bond in question was exonerated on or around XX/XX/XXXX by the creditor. With this information we contacted the CA Insurance Commissioners Office in XXXX who notifed us that bonds can not be collected on if in fact they were exonerated. 

Moving forward, upon the review of the file it was determined that the bond inquestion was written for a person holding the same name but never varified or authenticated. 

Upon receiving this information and within the orignial 30 days of notifciation by the FCRA I notified Rash Curtis and Associates of our findings along with forally notifying the copany of the dispute based on account not validated as to belonging to me, lack of proof provided by Rash Curtis, and I demanded prooof be supplied with thirty days of the letter providing contrary proof of the claim. I also instructed Rash Curtis & Associates all sent VIA US Mail with a signature guarantee to stop contact and all correpondence must be initated via US MAIL. 

Subsequesntly for the next sixty days I fel the matter in question was concluded until I started receving call and call at home, work, my cell phone, and family members all starting on or around XX/XX/XXXX to present. In addition to the flagrant disregard for the law I received an email and was provided a copy of a recent credit inquiry Rash Curtis & Associates rendered on XX/XX/XXXX without my consent or any prior business relations with to show cause. 

Despite my continuous efforts and a compelling paper trail supporting this false claim Rash CUrtis and their associates continue to flagrantly break laws in an effort to bully consumers on a zompie account which has exhausted it CA Four year statue of limitations on collections.
I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. 
XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. 
At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature
I have spoked with Chase banking representatives who keep transferring me to different departments and are unwilling to remove the hold on my account. They are rude and disrespectful and are not allowing me to use my chase debit card with the XXXX logo. I have completed the steps with my email address to verify that I am able to use the card. Why is the fraud department harrassing me and asking me to step inside a branch. I am XXXX and do not feel comfortable steeping inside a branch. This is a invasion of my privacy. Please assist me. Thank You.
In XX/XX/2018 I lost my wallet which had my debit card inside, do to memory issues from a head injury I had my pin hidden in the wallet. I Advised USAA of this and the provided credits for the purchase made after card was lost. Then on XX/XX/XXXX they took back the credits. On XX/XX/XXXX I called USAA and I was told the case would be reopened and the money returned to my account. I have called over 6 times and was told that I would receive a call about this with in 1-2 days. Each time no one has ever called me. I am on SSI and every penny counts and now they have taken back over {$400.00} on things I did not buy. USAA refuses to do anything to correct this issue. USAA also claims that stores are required to ask for photo ID when a debit card is used if not then it is there fault.
When I printed out my 2015 Mortgage Interest Statement for my taxes, it included a Mortgage Insurance Annual Disclosure which explained my options for removing my PMI. I then followed up with the call center which conformed that if I had 80 % equity that the PMI would be removed, I would have to do another home appraisal from the lender. After the home appraisal, I had to contact the call center and also write to the company for the appraisal amount and also to see if the PMI got removed. The agent on the phone told me it has been removed, when I asked why my payment did n't change. I was placed on hold and then informed that the PMI will not be removed. I sent another letter contesting the results because that 's not what I was told or read, the bank is also advising me that I 'm responsible for the home appraisal after they told me that I ca n't remove the PMI two years. I will have the 80 % equity in my home within a few months and it should be removed as agreed. The bank is telling me I need 75 % now, different then what I printed and was told? They should n't advise there customers to spend money on an appraisal then send a letter saying you ca n't do anything for two years.
I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.
I was making payments on time to XXXX XXXX Account for about 2 years with no issues. Earlier in this year around XXXX XXXX, 2015 I noticed a late payment fee on my statement and when i looked into it more carefully my bank had deposited the money on time with out delay. XXXX posted the payment 20 days later. I contacted XXXX informing them of the issue at hand and they credited XXXX. Sometime in the beginning of XXXX i received a phone call from XXXX explaining that im late on my payments. I explained them that my bank automatically sends out payment to XXXX, and after checking with my bank and my online statements all bills were paid on time. By the end of XXXX i received a phone call from there collection department saying that i have not paid XXXX and that XXXX was due. When i reviewed the statement for XXXX it was showing a late charge for XXXX when the bill was not even due. On XXXX XXXX 2015 i spoke to a collection representative for XXXX and explained to them that something is wrong with there system because they are constantly posting there payments late, but when i look into my bank account the payments are always going out on time on every XXXX of the Month. The Rep credited the late charges and told me my total amount that was due. My balance after the conversation was suppose to be {$190.00} and the rep also mentioned after i pay {$27.00}. The total balance will become {$160.00}. I went over the information with the rep a few times just to confirm that there will be no more mistakes. I made the payment right after our conversation on XXXX XXXX, 2015 for {$27.00} as per the conversation with XXXX 's Rep. XXXX XXXX XXXX, 2015 i received another phone call from the collection department stating that i am still late on my payments and that i need to pay {$17.00} for the late payment. I asked the Rep to look at the fax to show that my bank has always been on time with no delay, i attempted to retrieve a Fax number so that i can fax the information over the rep said that they do not have a fax number and that i would have to submit a letter with back up and proofs of the statements.
I was trading with www.coinbase.com i have now stopped and would like to withdraw my funds but my bank account is still not verified even though i have completed the steps they have provided and i am unable to withdraw my funds still. This amounts to near 600 which for me is a lot of money. I have been trying to contact them through every means possible. Email Social media but they do not have any contact telephone numbers.
On XX/XX/2015 SLS without our authorization withdraw fund from our account and/or any notification, causing my family hardship and unable to catch up with the mortgage payments, then we requested a Loan Modification, which they continue to denied, until we send a letter to President Obama administration, in order to qualify for Making Affordable Program, which was granted by the President Obama Administration, after that SLS entity send me a qualification for a Loan Modification but in really it was very disappointed to see what they were offering me which is as follow : Monthly Payments of {$2200.00} for 242 month and a balloon payment of {$360000.00} at the end of the term, meaning that I will end paying triple the amount of my property also I will lose my property because it will be impossible to pay a balloon payment on the amount of {$360000.00} neither my wife or my sons and daughter. My wife and I are XXXX who are collecting Social Security Benefits and receiving the aid of our children an I believe that is not reasonable a proposition where they are asking for {$660000.00} at the end of the completion of 242 month when my property is only value at {$190000.00}, which was appraisal by SLS entity.
An auto loan company that I had done business with in the past charged my card XXXX XXXX 2017 for  XXXX. I disputed the charge because I did not authorized this payment from the company nor was I set up on any kind of auto pay. XX/XX/XXXX I was informed the case was closed and my debt card company found no error in the charge. I sent in a rebuttal letter because I did not agree with this decision. Again it was denied. Then the auto loan company called me and advised they just received a dispute from my card company XX/XX/XXXX. They conducted an investigation on their end and advised that the charge was not authorized. I sent in another letter to RUSHCARD SERVICES and a manager told me no matter how many letters I send in the charge will not be reversed. Her name was XXXX in XXXX. I then took my efforts to social media, the company at that time reopened my case. The auto loan company stated they cant refund me the money because the funds was taken back by the merchant back on XX/XX/XXXX. I was not given any credit from the prepaid card company and they are saying I still have to wait another 30 days after the first investigation was never looked into.
I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXXpayment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
In XXXX hey girlfriend at the time and I got an FHA refinance loan on the property we have lived on for 3 years to pay off homeowner and a lien. I stated numerous times prior to closing and throughout the process to add my name to title. The girlfriend at the time had no job, zero income, and no credit. My job history and credit qualified for the loan. We both did separate applications and both of us stated in our application that title will be held in both of our names. Since my credit in job history qualify for the loan I should have became primary borrower not a cosigner for FHA rules and guidelines do not permit co-signers unless they are blood related or married. Throughout our whole closing documents I am not mentioned as a cosigner only borrower. Trusting my lender and Title Company in  good faith that they took care of all that we requested before closing. Come to find out summer of XX/XX/XXXXmy name was not on title. FHA requires all borrowers and co-borrowers to take title at closing. I've been fighting with them for many many months to correct this and they keep giving me the runaround saying that they made a phone call to her and ask her how she wanted the the deed too big 3 months before closing and she stated just keep it in my name only. I never knew about this and quite frankly it sounds made up. I've heard that this is an illegal practice. I have made 100 % of all the mortgage payments and 100 % of all the payments 3 years prior to our mortgage and now my children and I are being evicted out of the house on an unlawful detainer when she found out her name was the only one on there. I have spent thousands of dollars and many many hours trying to correct this and Quicken Loans nor Title Company will do anything. They did not follow FHA rules and guidelines for all borrowers and co-borrowers must take title to the property at closing I think I should have been told about the phone call since it was my loan or I never would have gotten the loan. Now I'm stuck on a tenants-in-common mortgage and we still liable for the debt but have no ownership rights and have no place to go. Neither title company or lender will admit their wrongdoing and handling our mortgage process. I how to put tens of thousand dollars into this property and have to walk away for the cops will be here any day to remove me from the home payments are all current and I've lost all equity I spoke with them today to do a scrivener 's error to correct this they refused. They have also appraise the property at application for times higher than what it was worth. I don't know what else I can do they will not budge. They need to correct this problem immediately before more damages occur if I have no home for my children I will lose custody. This is a huge colossal mess that they have caused in my life. They have denied any wrongdoing everything in closing documents are signed and initialed stating I should be on title and they're telling me a phone call changed all that. This needs to be resolved immediately thank you.
Experian is continuing to report two accounts from XXXX XXXX that the collection agency has requested them to remove. I filed a complaint with the XXXX in XX/XX/XXXX and the collection agency stated they contacted all three bureaus in XX/XX/XXXX to have the accounts removed. I have called, faxed and sent a certified letter to Experian showing them proof that the accounts were disputed. XXXX and XXXX removed all the accounts within XXXX days, Experian has removed all but two of the accounts. When I called Experian in XXXX and spoke with XXXX he stated they had not received anything from me or any collection agencies since XXXX and he refused to assist me further with getting the additional collection accounts removed. These remaining accounts being reported by Experian are affecting my ability to obtain a mortgage and have caused me damages. I have attached a copy of the original complaint and the resolution from XXXX as well as the documentation I have sent to Experian SEVERAL times requesting that the accounts be removed.
I have sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ 325 month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the XXXX years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.
On XXXX XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from Equifax or XXXX XXXX. They were supposed to respond within 30 days.
My issue both on the personal and business accounts with Huntington Bank XXXX XXXX, OH that they for mths have been with drawling " fees '' from my accounts with no supporting documentation and in excess of the original agreed to amounts. I have been told for mths they would get me answers only to hear excuse after excuse. They to date have shown nothing in writing both prior, after or upon my multiple requests for why this is happening. I have communicated both with my local " mgr '' and their headquarters in XXXX. I am not sure where to go from here, but these fees are in excess of several hundred at this point and while I will be looking to move my accts to another bank, this is simply wrong to not be able to document the charges ... again prior to or after ... but especially after being asked. Month after month of written requests to Huntington. I am hopeful that a complaint filed may get their attention or care.
I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act.
XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) 1099-C provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor Capital One/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Capital One/XXXX, XXXX XXXX, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX % On-Time Payments. 
XXXX year old credit history line. 
XXXX % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
RE :  XXXX  and Transunion Credit Report   XXXX   XXXX   related creditors are still listed/showing on  XXXX  Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor ( s )  XXXX / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have   XXXX    District Court of Florida discharge documents as well to substantiate my claim.
A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.
I have disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Transunion received multiple disputes with correct and legitimate concerns and contacted me asking for additional info. I included substantial documentation including a copy of my ID and recent mail to verify my address. 
Transunion has failed to address errors on my credit report even after I disputed and followed the dispute process in its entirety. 

This is just a stall tactic, illegal under the Fair Credit Reporting Act.
In the XX/XX/2014 I brought a van from XXXX XXXX and the van broke down and kept breaking down and the XXXX XXXX company did not resolve it so I gave them the van back. They are still trying to charge me for the van till this day.