WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXXReceived notice from XXXX XXXX XXXX XXXX Illinois , Ltd. for debt owed to XXXX XXXX XXXX, ( XXXX XXXX XXXX ) XXXX, VA in the amount of {$180.00}. Called them at XXXX and advised them that debt had been paid on XX/XX/XXXX by personal check. Per their instructions faxed copy of notice along with copy of cancelled check to XXXX. Received more collection calls. Called them back a few days after faxing proof of payment and was told that they did receive of copy of the check but were waiting for investigation by their client ( XXXX XXXX XXXX ). Received another call from them tonight, XX/XX/XXXX, over 4 weeks after they acknowledged receiving proof of payment.
As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, XXXX and Experian are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. XXXX has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with XXXX of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form XXXX offers for consumers to make requests to update their credit files will not allow for the full XXXX word Personal Statement, as mandated by Federal Law. Meanwhile, Experian similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that XXXX and Experian would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of XXXX words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.
Telephone payment made via BMW system. The system did not post the payment at the time payment made. I discovered this error made by BMW payment system and notified BMW Bank. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by BMW Bank to consumers allowing the processing of payments is not infallible. BMW to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...
We keep getting recorded calls for someone who does not live here and is not known to us. We have called the number and explained that the person does not live here but the calls continue. This has been going on for months now. I do not have the name of the company but the calls come from XXXX.
The above mentioned account is being reported as severely derogatory on my credit report. 

Late payments being reported : 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.
I file a complaint agains citibank for a collection under XXXX agency, according to the citibank representative they said it take 3 months to process the investigation that is already in file with you they never responded back about their findings and conclusion, however XXXX deleted the collection because there were violations against consumer protection act, this were done by law firm in New York, called XXXX they were the one 's pushing XXXX to delete it and they did, however XXXX and XXXX are still showing the collection therefore I am requesting for citibank to delete the collection from XXXX, XXXX and again with XXXX to be sure that they will not processed it again, Citibank fail to respond back to me with the answer since 5 month ago. the complaint is in your records for you to see. there is no documentation to be submitted because it has been provided already I was just waiting for their response about my complaint.
I have an account with over $ XXXX with XXXX XXXX  XXXX. 
I tried to transfer the funds out of XXXX to XXXX. I attempted this online but was advised that transfers above $ XXXX require a phone call. 
I called at XXXX PST to request the transfer. The agent took my information and said she submitted the request. 

I checked at XXXX pst and the transfer has not been scheduled. A XXXX  agent advises that it make take 1-3 business days for an outgoing transfer. 

I find this to be unacceptable. Neither XXXX or XXXX have this type of delay.
I have repeatedly disputed these hard inquiries with XXXX, XXXX and TransUnion. I pulled my credit reports on XXXX XXXX. I discovered that I had XXXX hard inquiries that were unauthorized. I never gave these companies the permission to run my credit for any reason. I have also wrote letters to each company asking for a signature of authorization with no response. 
The XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018, Wells Fargo ( phone number : XXXX ) contacted my employer.
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed
I was XXXX all of XXXX and I have a collection account from Progressive management system for a gas bill that i do not own. I never had services with XXXX because I was homeless from XXXX until I was locked up in XXXX. I tried explain this to them but they said that I would be sued if I did n't pay and I would have to go back to jail. I offered to fax over proof that I was in jail during the time they service but Progressive said it did n't matter I would go to jail if I did n't pay. they have continued to report the fraudulent debt on my credit report.
Experian 's freecreditreport.com requires you to sign up for a {$21.00} per month membership to see my FICO credit score. I can sign up for the service online, but must call to cancel it. When I call, I am left on hold for long periods of time before being disconnected. This has happened XXXX times. I have yet to reach a customer service representative to cancel my " membership. ''
Account with XXXX financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as XXXX XXXX. XXXX sold to XXXX XXXX, from XXXX XXXX to Green Tree, from Green Tree to Ditech and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. Ditech received payment up until XX/XX/XXXX
I do no anything about this account with XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. I tried to have the credit bureau removethese multiple times.
I've been offset again this year for loans. I'm not sure what the meaning of economic hardship means to the Dept of Education, but I'm a single parent, with five dependents. My income is below the poverty level, one of my children is XXXX and receives SSI due to the lack of income. I don't understand how I don't qualify to file for a hardship even if I had to apply two years ago and my income has decreased since then??? My family is homeless, and I have a vehicle that is in need of repairs. We live in a rural area where there's no public transportation to get around, and simply can't afford to have this money taken away. I got no letter, the XXXX XXXX XXXX XXXX did not provide the most up to date info in reference to offset info. I was under the impression that this was a legal requirement. I need help here please.
Discover Card advertised and has been running a promotion whereby the account holder will receive 10 % bonus points/miles for purchased up to {$10000.00} total made using XXXX. After the promotion began Discover changed the terms to dis-allow gift card purchases to count towards the promotion. They have arbitrarily declined me the bonus multiple times stating they believe I had purchased gift cards. They stated that if I did not purchase gift cards I should email them scans of my receipts. This shows that they are erroneously and without merit denying claims to the bonus with out any actual information or proof. They are also asking me for receipts, which I do not have because I did not keep them due to the fact that the terms of the promo do not mention the need to keep receipts. Discover is being very deceptive luring me and others in to a promotion and the using bait and switch tactics to not have to pay out.
Ally Financial is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.
CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY THIS PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THIS IS IN DIRECT VIOLATION OF THE FCRA..
I sent Exeter Finance XXXX an instrument for full satisfaction of the claim and was accepted. Exeter continued to send me a presentment/bill for payment, an account of which was satisfied. They reposess the vehicle dishonoring the amended contract and now is a negative mark on my credit report
Online Collections reported a debt as unpaid open collections years after it has been paid. This misrepresentation is a violation of FCRA.
I disputed information on my Chexsystems report in XX/XX/2016 and never heard back. A dispute was opened, but I was never able to XXXX the results and they never made contact with me after initiating the disputes. The incorrect information remains on my record, with no way to remove or edit or even dispute any information. I have submitted the same disputes on the XX/XX/2016 via certified letter and will continue to try to get a response from Chexsystems.
In XXXX our Bank of America Mortgage Loan was refinanced by my Mother, Brother and I to help our Mother financially after my Father passed away in XXXX. In XXXX Bank of America ( " BofA '' ) Home Retention Dept. offered her a 3-month Trial Mortgage Modification to further assist her financially. This Trail Modification lasted 4 years until it finally became permanent in XXXX, the year my Mother passed away. During this time, BofA caused the total debt surrounding our Refinanced Mortgage in the amount of {$33000.00} which was accumulated over this 4 year period from XXXX to XXXX. This occurred because the Temporary Mortgage Modification rate was paid as promised by BofA Home Retention for 4 years until the Modification became permanent in XXXX. 
In XXXX, at the Bank of America ( " BofA '' ) Refinance Home Loan Closing my Mother, Brother and I signed and initialed every page put before us of the Mortgage Agreement documents and the Department of Housing and Urban Development Final Settlement Statement document as the primary property owners of our home and borrowers of the Refinaced Home Loan. Four years later my Mother passed away in XXXX and Bank of America refused to acknowledge that my Brother and I were indeed borrowers on the Loan at the time of Closing in XXXX. When asked the reason why, BofA 's, XXXX produced a Bank Note without my Brother and my signature on it. However they acknowledged that Dept of Housing Final Settlement Statement was signed by all 3 of us listed as signatories on the document. BofA 's Assumption Dept. refused to acknowledge the descrpency and correct this action, ignoring the facts of what they had presented before them. This disregard to this date for what we agreed to and Closed on in writing has caused us far reaching ramifications with long lasting monetary damages to our family with negative results that needs to be fixed which will soon be felt even more by the actions mandated by the Dept. of Justice, IRS and State Tax Agency if we do not recover the monetary and personal damages from our losses due to the Bank of Americas negligence over the past several years. To this date Bank of America will not answer my letters, calls and pleas for action on their part to resolve this matter. Instead they distance themselves from this problem by transferring our Mortgage to different Servicers and calling the action that it 's out of their hands. Unfortunately, I 've found that it clearly is not out of BofA 's hands due to the fact that Bank of America shares the same Attorney Law Firm ( s ) with XXXX an out of State XXXX servicer. Since the transfer to XXXX in early XXXX, our Homeowner 's Insurance Escrow was cancelled however our Tax Escrow as far as I know was not cancelled. Upon pointing this out to XXXX XXXX, another transfer took place to another out of State of XXXX, XXXX in XX/XX/2016 who has not yet made contact regarding our property or complaints.
On or about  XXXX   2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that   XXXX   validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.
My account has been on autopay and now Im 2 months past due and I have a late payment on my credit report. I was on autopay so I shouldnt be late. I didnt recieve a letter or call. As soon as I was made aware I paid the {$650.00} amount due.
I have disputed the following accounts to no avail with Experian. They claim that they verified these accounts and I have not received any proof from the company nor Experian that these accounts belong to me. I have escalated my concerns to the FTC to investigate and possibly become part of a Class Action law suit. The following accounts do not belong to me : XXXX-Account # XXXX XXXX  XXXX XXXX -- # XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX
Despite providing proof of insurance in writing that a sufficient amount ( exceeding the outstanding loan balance by {$100000.00} ) of insurance was in place on at least two occasions I continued to receive threatening letters from PNC Mortgage that unneeded insurance was going to be procured on my behalf and I would be financially responsible for its cost. After receiving an insurance policy in the mail procured by PNC Mortgage and a letter describing an increase in my monthly mortgage payment I called to try to resolve the problem. I talked to XXXX XXXX on XXXX XXXX, 2016 at approximately XXXX and was told that in fact they did have my proof on insurance on file but thought my townhome required an HOA policy in addition to the policy I had in place. I explained the HOA bylaws had changed and there was no longer going to be an HOA policy. I further explained that my policy replaced the HOA policy and covered everything that needed to be insured. XXXX responded that someone would be giving me a phone call to discuss further. She would not correct the problem. No one from PNC Mortgage has made any attempt to contact me. I have now received a new payment booklet with an increase in my monthly mortgage payment of {$210.00}. I know that these third party insurance policies are very profitable for a company like PNC Mortgage but I currently have and have always had the required insurance in place and have provided written proof on multiple occasions.
This is regarding original case number XXXXfiled on XXXX XXXX. Today is XXXX XXXX and the company responded on or around XXXX XXXX. By their own admission they are unable to locate this fraudulent account by my name ( document proving this attached ) yet they have not taken this off of my credit report.
Select Portfolio Serving has denied my modification request. I believe I deserve a modification because of my monthly mortgage payment is unaffordable. My monthly payment jumped from {$1600.00} to {$3300.00} a month.
CHEXSYSTEMS IS REPORTING FOR XXXX XXXX XXXX BASED ON FRAUD AND FALSE INFORMATION AND IM XXXX SICK OF IT WITH THESE CRIMINALS, AS THE PROOF SHOWS HERE A XXXX BALANCE FROM XXXX XXXX XXXX, AND YET CHEXSYSTEMS IS MAKING BAD REPORTS ON MY GOOD NAME, CHEXSYSTEMS IS A MUTHER XXXX CRIMINAL, THEY ARE ALSO REPORTING FOR OTHER BANKS OF WHICH I OWE NOTHING, THERE IS NO ''BILL '' OR A VARIFIED SWORN STATEMENT FROM A COMPLAINING PARTY,
I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX, XXXX  and Transunion stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX/ XX/XX/XXXXYour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XX/XX/XXXX XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX