WillisBack/dataset-financial-user-claim huggingface dataset:
Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy
OnXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from World finance, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything.

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XX/XX/XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX. next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX. on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
I contacted XXXX XXXX  on XX/XX/2019 at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XXXX to make the full payment as requested by the legal demand letter.
Recieved a call from XXXX. The man stated he was from dynamic recovery solutions and was collecting a medical debt from XX/XX/2011. He wanted an updated physical address and payment. He stated that there was a new law that he could attach my taxes and this would negatively affect my credit. He stated he would give me a 50 % discount which equaled around {$650.00}. He gave me a number to call back and stated I had until Tuesday and he would hunt me down if I didnt. He stated his name was XXXX XXXX and callback number of XXXX.
Today XX/XX/2018 I was looking at my credit report and this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems International INC., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Credit Systems International INC. illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.
On ThursdayXX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with Experian ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.
Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  Have police report.
On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX, XXXX, and Equifax about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
The failed under the FDCPA and FCRA to notify me about my right as required by the law, so I can dispute and ask for validation. Also the debt it not mine. In XX/XX/XXXX I was contacted by XXXX collection agency about the same debt, I asked for validation they was not able to proof that, so the sale the debt to diversified consultants. The debt it for XXXX but diversified consultants stated in my credit report that its 2 month old debt, this is misrepresenting of information which is violation also.o send them a letter asking them to delete the account from credit bureau, but they failed to respond. I have no idea about this debt it not mine. I need your help to investigate on my behalf to them and credit bureau. It a XXXX debt
I keep getting calls and these people keep contacting my family releatives stating they are trying to get a hold of me for a pay day loan I do not owe, I have record of all my loans and these people are scammers. They are very threatening and say they will show up to my home and place of employment and threaten to sue if I do not pay over {$1000.00}. The company name they reference is United Recovery Service, the phone number they keep calling me and my relatives from is XXXX, then they reference a case number. These calls are becoming more and more threatening and they will not let up, tey are harrasing me and my relatives.
On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX raised my house payments on the original contract from {$700.00} to {$920.00}. the company said I was behind on escrow payments which included property taxes that I do not have to pay due the law that I am XXXX XXXX XXXX XXXX.
I submitted a reinvestigation dispute for 2 accts that are still showing on my Experian credit report XXXX and XXXX XXXX XXXX I spoke with supervisors at both those companies and they agreed to delete these 2 accts from all 3 reporting agencies they 've been deleted from both XXXX and XXXX  already as promised but Experian fails to take them off
Ive been with my partner since XX/XX/XXXX-XX/XX/XXXX. 
Lived with him, we currently have same billing address, same home address on my drivers license, etc I moved out XX/XX/ from XXXX XXXX, not feeling safe and my belongings were missing and he started disputing charges on my XXXX   account and anything from our relationship ... who knows what else when I left ... 

He lent out his cards and gave permission to use it and gave me his pin ... he was present at the times of the purchases. He told me his pin, birthday, the numbers etc. Years of approving until I moved out XX/XX/. Hes stating that its fraud, unauthorized transactions with his space coast union credit bank and discover cards. Clearly, theres been many transactions where hes bought airline tickets for me and him, transactions from XXXX throughout the year, stores, nail salons, etc ... with the same cards. Never once did he dispute anything until I left. Now Im supposed to pay for his chargebacks on my XXXX  account. 
I have evidence we were together ( emails and texts ) and many witnesses including his son that he let me use his card.
My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan. 

In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed. 

When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA. 

Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.
Santander USA repossessed my car after I told them that it was inspected by FEMA for possible damages reimbursement from hurricane Harvey. They then proceeded to place XXXX in collections on my credit report and continuously lied to credit bureau dispute investigators. They finally removed it from my XXXX  and XXXX however it's still on my XXXX   report. This company repossessed my car after me telling them that I was engaged in a racial descrimination lawsuit against a previous employer.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Dear TransUnion, XXXX, XXXX  RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
XX/XX/XXXX I signed up with Capital One Auto for a vehicle loan on my XXXX Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through XXXX XXXX and via XXXX XXXX app. Come to find out I had been behind on a total of 9 or so months. I informed them about the APP and it seemed to be a issue that others had as well. They reset it then I did n't use it anymore. Then through a sequence of events the car ended up being repossessed on the day that the payment was due, in which I called that day to make the payment and they seemed to had already taken the car. The rep I spoke with said that I could pay at anytime on that day. I had no idea that it was that late I had just been paying the monthly amount. So after the car was repossessed in efforts to get everything squared away via my account and credit report I then spoke with a rep that said, If I paid the full amount due instead of the program and stayed current going forward that the repossession would be removed and the 30 day lates would also be removed due to the APP. Since then I have spoke with XXXX reps from the office of the president who looked up the information, and listen to the phone calls, but since I did n't have a name and ID they could n't honor it when i 'm XXXX sure I was told such. Since XX/XX/XXXX I have remained current and have had no further issues, except the inability to get those remarks removed. I spoke with XXXX and XXXX other individual
I paid the amount that was ordered by my Attorney XXXX XXXX for my bankrupty that was filed XX/XX/2015. I was told by XXXX XXXX to pay my payment of XXXX monthly and the bankrupty court was also collecting payment each on this account. I do have my receipts for the payments I made and also proof for bankrupty court collected.as my attorney instructed me to do so. I was told by Vanderbilt Mortgage agent that they were going to foreclouse on my house in XXXX XXXX XXXX XXXX. I was making to payments a month on this loan how could I be behind that is why my Attorney made sure I was paying my payment each month me and my daughter paid. I paid XXXX where was that money applied. Where was the money the bankrupty court sent to them applied? They told me I am XXXX behind and that is what I need to pay to catch up on my account, they are foreclouseing on my house. They are reporting to the credit bureaus that I am 30,60,90 days and behind on payments. I asked for a mofification and they denied me because my income was not enough and I got this house with the same income I have now but my daughter help with my income so I have more income and was told not enough. Please help me with this mortgage company.
On or about XXXX XXXX, 2016 I went to Capital One bank branch at XXXX XXXX XXXX XXXXXXXX NY XXXX and submitted a request for cancelled checks indicated by check number. To date I have not received them. I need these in order to verify that payments were made to an estate or I will have to pay again if I can not provide cancelled checks.
Contacted Transunion today onXX/XX/XXXX in regards to being a victim of inquiry issues they had XX/XX/XXXX to XX/XX/XXXX. Explain to the representative i pulled my credit today an saw the inquiry. Spoke with XXXX who was a representative an he said he could not help me i would have to contact the creditor. I then ask to speak to supervisor by the name XXXX who advised me that i was not victim an he could not delete them for me. Inquiry are below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX.XX/XX/XXXX
Experian reports of an account, partial account number XXXX in the name of XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have a passport, birth certificate, social security card and driver 's license which confirms my name as XXXX/XXXX XXXX and has been for XXXX years. 
The account is with XXXX XXXX and claims I owe {$5.00}. This is identity theft and that identity theft has been reported previously to other credit reporting agencies.
XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
Hello, URGENT : XX/XX/XXXX My name is XXXX XXXX I have been trying to get an issue resolve with Capital One since XX/XX/XXXX with no resolution. I have an account that has been removed off my XXXX Report in error due to a dispute. I have call and emailed XXXX and was told that Capital One has to report the account as an open and Valid account. I have called a number of times one day in XX/XX/XXXX, XX/XX/XXXX and multiple times in XX/XX/XXXX. I was disconnected from mangers like 4 times. Of courses they NEVER called me back. I was told in XX/XX/XXXX that it will take up to 60 days to have the accounted corrected with XXXX. Im writing this letter at this point in hopes that I can get a resolution with someone that knows how to do their job. I have lost ALL CONFIDENCE with the Managers that Im immediately transferred to EVERYTIME I call. I would greatly appreciate an email, phone call, or a letter letting me know that the issue is in the process of being resolved. 

Thanks in Advance, XXXX XXXX XXXX XXXX Last four of account number=XXXX Last for of SS # =XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
For 3 months, I 've been in contact with PNC Bank in attempt to revised my mortgage payment that will increase early next year. Throughout this process, PNC Bank has repeatedly push me towards a Short Sale option on home I own since XXXX as their ONLY solution to the fact I 'm a XXXX American living strictly on XXXX XXXX. 

It should be known, that I never been late on any PNC Mortgage payments in 10 years & I 'm current on my Property Taxes & Home Insurance. So why is PNC XXXX bent to force me out my home & will not work with me to lower my home payment that will increase in 2 months?
I have been trying to get my credit report from Equifax for 2 years. My mortgage company has tried to get it, I have tried and I can not get on it. I have called and faxed over all documentation I was told to. There is a freeze on my report I never authorized. I asked for that to be lifted, all my personal information to be changed and my address I have lived at for the past 5 years to be put on my report. After spending {$10.00} on facing over my information nothing has changed. I still can not retrieve my report, I can not get on Equifax at all. Not a free report and I even tried to pay for it and it still Denys me. There are multiple inquiries on my report now effecting my credit score and I can not get a single person to help me when I call all numbers given or try online. This is a big issue and matter and I have not been helped at all.
I have several cards that have expired in XX/XX/2016 with value left on them. I spoke with citprepaid at XXXX and asked for the money to be reissued onto a new card or have a check issued. They explained once card has expired, they are unable to touch the funds. The agent said her hands were tied and I would not be able to access the $ amount.
My credit report was stolen from equifax servers without my consent. 
Equifax did not notify me right away and waited more than 2 months before informing the public, well after the company executives sold off their shares in the company.