WillisBack/dataset-financial-user-claim huggingface dataset:
On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XX/XX/XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to Experian on XX/XX/XXXX. On XX/XX/XXXX Experian responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how Experian has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously
This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.
I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. 

Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : XXXX
Currently, I am in a short sale process. I have a been trying to get a hold of my 2nd mortgage lender to proceed with the short sale. However, they are telling me, my real estate agent and the title company that they do n't have any information about my loan. 
Last year I started a short sale process, which I received the enclosed approval letter from the 2nd lender-Weststar Mortgage. However, do to the buyers and my previous real estate agent we were not able to go to closing. I relisted the property for sale earlier this year and we continued a new short sale process. Now, that we need the 2nd approval, we can not find the servicer or lender that has the 2nd loan. We have tried to reach to Weststar Mortgage ( who had the mortgage last year ) several times. They are not helping us and are being very rude about it. I have pulled my credit and no 2nd mortgage is reported. I went to XXXX and the MIN # is not pulling up anything. But, I am not able to sale because there is a 2nd mortgage recorded in XXXX XXXX and it 's showing up on the title search. No release has been issued for this loan. So, I am currently stuck with the and I 'm not able to sale. 
I am reaching out to CFBP for help. As I do n't know what else to do.
MIDLAND FUNDING has refused to validate a debt. They are now reporting it on my credit report, duplicated the account so it looks twice as bad, re-aged the account to intentionally damage my credit, and will not prove they own the debt. About 3 days ago a letter came to an former address. That was their first contact and they have been already been reporting this for almost a year without my knowledge. When the letter came to my attention I called and asked them to validate the contract assignment. They hung up. They have not validated this debt and yet are reporting it, duplicating it, and re-aging it.
Bank of America keep updating payment history to extend time the account remain on the credit file. Last payment was made XXXXXXXX XXXX. There reporting two payments on XXXX and XXXX of XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
I keep receiving thats the results of my dispute with experian credit reporting agency is ready to view online I put in the confirmation number and the Id number. After putting in my social security number I always receive an error message that I cant view the results. This is not the first time this has happened. The last confirmation number they gave me was XXXX and Id number XXXX.
Transunion is incorrectly receiving information from XXXX XXXX as my account being delinquent, but it belongs to my son, XXXX. I called the bank and they blame each other. My credit has dropped 110 points in 6 months due to their disregard and bad recordkeeping of files
I have contacted Capital One about two accounts that they have been reporting and they continue to report and even try to settle with bills. These accounts are not mine, I never had capital one credit cards. It is obvious what accounts I am aware of because I pay them and Capital One is not one of them. They will not provide applications or security agreements that was completed for me to even try and investigate where they received my information from.
I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.
A collection account by security credit services opened in XX/XX/2017 for the amount of {$1900.00} that I do not owe and have no knowledge of why Im being charged for this account. Ive repeatedly stated that I do not owe this company anything. The company has contacted me via phone and Ive told them I do not know who this account belongs to but it isnt mine. Ive reported it several times on the XXXX and XXXX credit bureau. It was removed off of XXXX  so I dont understand why it isnt being removed from the other credit bureaus.
This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.
My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.
We received harassing phone calls from Green Tree Representative XXXX XXXX in the beginning of our loan. 
The interest rate with Green Tree is unfair, 12.99 % it is too high. 
I applied for a loan modification, but was denied. 
No payment amount is being applied to the principal balance, we received a letter back XX/XX/XXXX stating we were {$6300.00} past due, I have copies of two payments sent during that time period. Original loan amount {$54000.00}, today it is over {$50000.00} after 16 years. 
I completed bankruptcy XX/XX/XXXX ( including arrears ) but the balance on the loan is still too high. 
I have attached additional information.
was notified through my bank someone added a debt on my credit report. the agency that reported me is ARS ACCOUNT RESOLUTION. I 've never been notified by them, received mail or a call, I have no clue as to what this is for or why.
My home loan with XXXX was immediately sold to Amerihome in XX/XX/2018. I have been paying into the escrow account since then, with an amount based on the new assessed value of my home. 
In XX/XX/2018 I received a supplemental tax bill from XXXX county for {$8500.00} which clearly stated I am responsible for paying this bill, not my mortgage servicer. I immediately contacted Amerhome to tell them that the amount they have in my escrow account far exceeds the tax bill THEY were to pay ( {$1100.00} ), which was based on the old assessed value. 
For two months, I have repeatedly called, emailed and begged them to send me the excess escrow funds, which are currently {$4800.00}. 
Amerihome, and THEIR servicer, XXXX, has repeatedly claimed they have ordered new " escrow analyses. '' Amerihome sent me {$640.00} XX/XX/XXXX as a result of an annual escrow review, but this review still assumed a new, higher assessed value, NOT the actual property tax bill they received and partially paid to XXXX County. In a phone call XX/XX/XXXX, an Amerihome/XXXX representative admitted they should send me my {$4800.00} AND reduce my monthly payment for escrow/impound. My several follow up phone calls yielded no results. 
Amerihome is holding my excess {$4800.00} escrow funds hostage -- funds I NEED TO PAY MY SUPPLEMENTAL PROPERTY TAX BILL WHICH IS NOW DUE! This is unlawful.
The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
in XXXX XXXX i got papers to file for a loan motification, Ocwen approved iitthe motification. over the phone i called thier number and the automatied teller said my payment was now going to be XXXX and that my XXXX XXXX payment was being difered also i talked to 2 tellers who also told me my payment would be lowered and my XXXX payment was difered. i called again in XXXX XXXX to verify that i did not owe a payment for they month of XXXX XXXX i sent Ocwen XXXX in XXXX XXXX which is what my statement said i owed for that month i also sent XXXX in the same amout of XXXX in XXXX ocwen started sending me statements stating that i was 2 months behindon my payments. now they are saying i owe XXXX and i f i dont pay it to them they are going to put it up for short sale. the XXXX XXXX i recieved paperwork staing that my loan motification wasnt aproved this is the first i have heard that it was not approved. i have never been late on a payment or not payed a payment in the 10 years i have lived here.
I have an issue with my bank, TD Bank. I am new to them, opened a checking account with a debit card in XX/XX/XXXX. Over the Labor Day weekend, while I was away from home, I used the card to purchase gasoline, paying at the pump. The bank authorized those charges. When I checked my account, there was enough money in the account to fund the charges ; however, by Tuesday ( XX/XX/XXXX ) evidently, the Bank only authorized the charges for {$1.00} and when the full amounts were withdrawn the account went negative for ( 2 ) other charges that they authorized. I was charged {$70.00} for ( 2 ) charges ( {$35.00} each ) on a balance that was negative by {$53.00}. I made the account current by XX/XX/XXXX when I became aware of the situation. I called and asked them, under the circumstances, if they could re-credit my account for those charges. They told me that they had already credited my account in XX/XX/XXXX and that I was not eligible. I then spoke to supervisor, " XXXX '' who was not helpful, kept repeating the same line over and over and would not escalate the matter to his supervisor. Finally, they told me that someone from their " Customer Care '' center would call me within ( 2 ) days but I have not received a call from them.
I do n't see how they can " clear '' charges at a gas station in the moment for {$1.00}, then wait several days to actually clear the full charges and then, charge me fees when it goes negative. This seems fraudulent in my mind. Its a way to trick you into incurring fees. I would like to get my {$70.00} in fees returned to me.
Its said that I owe XXXX dollars but thats impossible because on the dates thats its said which is in XXXX and XXXX I was in XXXX which is a state XXXX in Texas so how is it possth at I got in debt when Im in  XXXX dont make sense to me I did not give no one permission to do anything under my name so please help me with this problem
I had fraud way back and the bank is giving me a hard time using debiting my account and well as wiring funds its has caused me lot of embarrassment in. public and most of all cost me a lot of business deals I travel. a lot out of the country and I want all my accounts closed with bank of america as they are known for this kin d of abuse as well as treatment. especially since I have over XXXX XXXX run there bank they are rude crude on the phone and in person they are mad that they have good client that leaves big balances on deposit with them but make it hard someone with my status should get royal treatment and have good business banking relationship with personal banker but not with B of A I am being penalized for having to much in the bank I have emailed them as well as faxed them 9 times been to bank as well as had my power of attorney go to the bank there no fraud on the account what so ever they are mad that they paid me on some disputes I had not used the bank account for some time and now they are causing me more problems especially the fraud Department one day they clear it the next day its frozen one day it works one day I am told to come to a branch sit with manager call the fraud dept I answer all questions every time with flying colors still am penalized my time is valuable especially since I make {$6200.00} dollars a hours times 40 hours a week times 20 days a month thats about a million a month I make for this aggravation please help me asap I do not want to talk to them more do I want to ever step foot in bank of America period just cut me check send it to my address or wire it out to my other bank PLEASE FEEL FREE TO CONTACT ME WITH ANY QUESTIONS XXXX XXXX XXXX XXXX XXXX XXXX USERNAME XXXX password XXXX my accounts been locked up for 4 months XXXX XXXX XXXX XXXX XXXX XXXX I have over a million in each account plus I have a cd for XXXX XXXX I want a check mailed to my address on file asap and my accounts closed its been a bunch of XXXX and its costing me everything I am also filling a law suit as well.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
I open a credit card in the store with Target two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00} when the original charge was XXXX. I explained that I never received any statements Target mailed me copies of the statements that they received back return to sender because Target had the wrong address for my home address and instead of calling me two years ago to correct the situation they just ignored the problem. When I called target they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call target back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} Target was rude and did not try to assist me in anyway. XXXX said over and over again that Target will not settle the amount when it is a bank error and it is affecting my credit reporting the wrong balance
Receiving daily phone calls to collect debt for XXXX XXXX ( not sure on spelling ). Phone call asks to press XXXX to confirm you are this person since I do not know this person and it is a different last name I just hang up the call but calls continue to come every day.
I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX
The account was open in XX/XX/XXXX it was closed XX/XX/XXXX. I never received any notice of it still being opened and or that I owed money. I check my report weekly. And it just hit my report about a month ago and it states that it hit XX/XX/XXXX. I have tried to call and figure this out but they say they're only legally obligated to report it so many days after they receive it in collections. I've kept a close eye on my credit because I'm currently trying to get back on my feet due to unexpected events this last year now. Please help me. It's not that I even mind paying the debt if it's accurate. I wouldn't have minded if I ever received notice. But it's been over a year! How can they do this to me now?
I received a letter from the XXXX XXXX today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX Capio Partners is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00}  for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! Capio also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where Capio has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for Capio account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, Capio Partners and  The XXXX XXXX! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to Capio who then sold the accounts to The XXXX XXXX! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation
I notice on my credit report XXXX experian and XXXX has bankruptcy information reporting on my credit report which is not make for public
I checked my credit report, noticed two inquiries from XXXX XXXX, Avant and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
I have a Citi visa best buy card that has been tampered with and charges were made on my account that are not mine. The only charge on my card is from XX/XX/XXXX from XXXX for XXXX. Citi still has my account with a balance of the following below : Last Reported XX/XX/XXXX Creditor Name CBNA Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$2000.00} Term -- Monthly Payment {$65.00} Responsibility Individual Balance {$1300.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status Current Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks