WillisBack/dataset-financial-user-claim huggingface dataset:
I called to get a auto loan payoff letter on XX/XX/2016. I was told on the phone that the letter had been ordered and that everything was taken care of. I was not offered the opportunity to fax or email the request for faster service. On XXXX I called to ask about the letter, but they said it would take several more days. I was told at that point I could fax a request in and they would turn around the request in two business days. I needed the letter that day in order to get the mortgage I had applied for. I was not offered any sort of opportunity to speak to anyone who could or would expedite the process, and when I asked about having called the previous week in order to request the letter and had not been given information that would have allowed the process to be more efficient at that time, I was told that it made no difference and there was nothing they could do. Key Bank cost my my home.
According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 1681 23 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on myreport that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ]  All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX ACCOUNT NUMBER # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 

XXXX  XXXX XXXX ACCOUNT # XXXX This account states I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but i was never late on this account and the creditor has agreed to remove these lates and report this account paid on time. 

XXXX/XXXX Account Number # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 



XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX, ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE
To CFPB We previously reported to you concerning Bogus addresses on my Experian credit report, both myself and our attorney contacted Experian in an honest attempt to clean up my report. As you know from my prior conversations with you on the phone I have suffered from XXXX and my doctors are concerned about the stress this type of behavior coming from Experian is having on my health. We therefore, request CFPB to recheck your data base as you have previously done to see if you are at the point of taking major action against Experian as they are still being disobedient to Federal Law. 
First of all, when we realized that there were old addresses on my report that are obviously not deliverable via the U.S. Postal Service we requested Experian to remove them, but instead what they did was to duplicate them with bogus unit numbers which do not exist, Experian knows they don't exist but put them on my report anyway, this is deceptive trade practice on the part of Experian and they need to cease this behavior according to my attorneys. 
Secondly, I have never lived in XXXX XXXX yet Experian is reporting that I have, I've only driven through that city maybe four times in my life and I certainly have never lived there no more than I lived at those addresses they are listing on my report, I certainly have not. If this goes to court, and it certainly looks like it's going to, Experian had better be prepared to Prove conclusively with evidence that I did, but i'm not worried because I have never lived at those addresses.
I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.
I was notified that the company/sole owner that I am XXXX to ( I am an XXXX ) was contacted by the debt collection law firm Messerli & Kramer asking questions about me and although told I was not a employee but rather XXXX was asked to verify my name and my social security number. The owner did not give out this information however the collection law firm proceeded to state my name and social security number as well as other personal information to the owner ( my XXXX XXXX ) considered third party and asked if it was correct. This is illegal, an invasion of confidential information and a privacy issue.
This account with Citibannk has been closed for years, and I have been paying it off for years. My mother who is now deceased was the primary on the account and I was secondary. The debts were mine, so even though mom is gone I told Citibank I would be paying it off, which I have been. 
Several months ago they debited my bank account for double the payment amount, two months in a row, which I stopped payment on as it was double what had been authorized. 
The following month I began paying again as usual, but Citibank started writing and saying I was " behind '' and I needed to set up a payment arrangement. If they had n't tried to take double payments, there would be no " behind '', but regardless, I wrote and explained I 'd be paying XXXX a month ( more than the minimum due before this started ), and I have been. 
Now they have sicced some estate recovery service called XXXX on me, to harrass me some more, and they returned my letter that I sent with a copy of my bank 's payments to them. ( I set up autopayments to them from my bank, as they refused my access to their own online payment site ). 
They apparently are angry I will not give them my phone number, so they can call me incessantly. I am a XXXX, and I do n't want to talk to these people on the phone - I sometimes ca n't understand them, especially the foreign ones they employ, and also I want everything in writing with Citibank, as I do n't trust them. I have corresponded with them, made payments ( and continue to do so ) and I want them to stop harassing me with these collectors! I am paying XXXX per month as I told them I would, even though this is a hardship because I can only work part-time. 
I want them to communicate with me IN WRITING. I want them to stop trying to harass me with other agencies just because I wo n't give them my phone number! I do n't understand why a company this size apparently has no one who is capable or willing to communicate in writing.
SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,
Tonight I was checking my various credit reports in preparation for ordering a credit card from my credit union. There are only three major credit bureaus, so I thought I'd request my free annual reports from each. No problem with XXXX or XXXX. But with TransUnion, a big problem..

TransUnion produced a report that was incomplete. It either never found out about, or left off for reasons unknown, information about my past employment and finances that would dramatically improve my creditworthiness ( which was okay to begin with ). But that's not the big problem. The big problem is fraud.

TransUnion claims I ordered " 3 Credit Bureau Monitoring '' and other useless financial services. TransUnion claims I ordered this service for {$24.00}, which it automatically billed to my credit-union account _without verifying this order with me._ But I purposely did not order the service. In fact, I purposely hit the " Cancel this Order '' button just in case this was the sort of trap that it indeed turned out to be. I was tricked.

Now I must wait until the morning, after the debit exchange has transacted, to make my case with a TransUnion operator who may be working the line from XXXX or XXXX, and who inevitably will argue that it's impossible for them to cancel the transaction and refund my cash. Belatedly, I received email ( attached ) that indicates I did indeed cancel the service, but not before TransUnion extracts its {$25.00} blood-money. 

A lot of people may be falling into TransUnion 's trap because its webpage is a confusing melange of everything under the sun. The CFPB should investigate TransUnion 's abusive treatment of visitors to its website who are seeking information guaranteed to them by law. It's obviously too easy to do what's to TransUnion 's benefit, not the visitor 's. 

I am absolutely astounded that the company can be so cavalier with the trust of those on whose information it makes a pretty penny and still expect us to welcome its unwanted provision of services that depend on trust. This is pure entrapment. I will never do business with this company again. Never.
I am requesting that XXXX delete and remove this fraudulent account immediately from my Equifax credit report. Someone opened this account in my name without my consent.
On XX/XX/XXXX, I was unable to login to my XXXX account where I had just purchased XXXX worth of Bitcoin and Litecoin earlier that day. I was quickly prompted with a message that I should contact Coinbase Customer Support. However, I was confused on why I was unable to access my XXXX account because I did not receive an email on why my account had been temporarily disabled. I contacted Coinbase on XX/XX/XXXX and was told the reason why my XXXX account had been disabled is because my XXXX credit card company had reversed an order on my account. However, even though I had that credit card linked to my account, I have never used that credit card to purchase any cryptocurrency on my account. I only used my bank account to purchase cryptocurrency on Coinbase. The customer support representative then went on to tell me that in order to regain access to my XXXX account I will need to pay {$3200.00} dollars. I paid the {$3200.00} with my card and was told I should regain access in 3-5 business days. On XX/XX/XXXX, I logged onto my Coinbase and noticed they had taken XXXX dollars worth of bitcoin from my account after I had initially paid them {$3200.00} they had wanted. I contacted Coinbase that same day and was told they only accept cryptocurrency as a form of repayment after the fact I paid them via credit card as the site allowed me to. After discussing, the situation with customer support they told me I should immediately regain access to my XXXX account and should be able to buy, sell, and send cryptocurrency again since everything was paid off. It is currently XX/XX/XXXX and I have contacted Coinbase and XXXX multiple times and I continue to get the same response : Your ticket will be handled very soon and you should have full access in 4-5 business days. I honestly do not care that I paid twice for a charge that was never made on my account, I just want access to my XXXX worth of coins that currently stuck in XXXX. My ticket number is # XXXX.
XXXX conducted an unauthorized credit check which was discovered and retracted from XXXX credit agencies. However it is still appearing on my Experian credit report. 

I am a student studying abroad. I am unable to send/receive US mail presently, and the Experian website is not allowing me to file an electronic dispute, perhaps because I am using a computer abroad? It 's unclear why I am unable to access the dispute form through the Experian website on my computer, which continues to generate a security error. 

Because there is no fax, telephone, or email method for filing the dispute I am at present unable to follow-up with Experian for the correction to my credit history. Please inform how this can be corrected because I am unable to proceed with information that Experian has provided on the website or by telephone contacts. 

Thank you in advance for your help. 

Sincerely, XXXX
I reached out to my Mortgage Servicer Planet Home Lending asking for information as I may shortly have a difficult time making my mortgage payments due to the death of my son 's father who was the homeowner making the payments for the past 22 years. I inherited the property and the mortgage in XXXX 2016. I asked Planet Home to send me out a package with options I might have. XXXX of them was a Deed in Lieu. When I called them to discuss this I spoke to a XXXX who told me " we really do not do them. In fact I do not think I have ever seen us do XXXX of them ''. So is Planet Home Lending providing the Consumer with false information regarding options to Foreclosure? I sounds that way to me. I they do not do a DIL, then why does their paperwork sent to the customers state that they do. Thank you.
Our HOA has a townhome that was abandoned by the homeowner and has been empty for several years. The HOA foreclosed on the property for non-payment of HOA dues. According to the county 's tax base, the HOA is listed as the owner and has been sending tax payment notices to the HOA for several years. On the advisement of the HOA 's lawyer, the HOA has not paid any taxes due over the years. The HOA has tried to find out who the actually owner is and has had a difficult time securing the proper documentation from the mortgage company to state the property was either foreclosed, the mortgage was forgiven, or what. The HOA wants to try to fix the place up and sell since we have not be able to recoup past HOA dues from the previous homeowner or count dues for this place for several years. Reaching out to the previous owner has been fruitless. The HOA does not want to proceed with selling only to have a bank, etc come forward and claim the townhouse after the HOA has spent money to repair the place for sell. Thus, the HOA is at a loss as to how to move forward. The county is now stating they will send the tax delinquent account to a lawyer. If that occurs, the HOA may be on the hook for lawyer fees and eventually having the pay for the past taxes without first having actually proof the HOA owns the unit.
I opened my Chase checking account online around XX/XX/XXXX. I had a coupon code for a {$200.00} bonus if I had direct deposit made into the account by XX/XX/XXXX. 
It took a couple weeks for my employer to update my direct deposit information. So my first actual direct deposit into my new Chase account was made on XX/XX/XXXX. I receive direct deposit every Thursday now. I went into Chase on or around XX/XX/XXXX to speak to a banker and sign papers. I told her about my direct deposit and the coupon code and she verified and said yes you will be receiving that within 10 business days. I told the banker that my employer deposits my money through their bank and that bank direct deposits to my bank account. She told me not a problem. A week later I called Chase and they told me yes we see your direct deposit made by your employer and you will receive your {$200.00} bonus within 10 business days. Today I called to check the status and they told me they can not give me my bonus because my employers bank does the direct deposit and not the actual employer. I informed everyone I talked to in person and on phone how my employer does the direct deposit and they said yes its still direct deposit. Now they are going back on their word after I was promised!!
I ordered a statement form ChexSystems and it says that I have a balance with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX. Phone number XXXX. It states that a balance of {$660.00} is unpaid. My husband and I paid this off in XX/XX/XXXX. I would like to have this removed from ChexSystems. It is saying that is was reported on XX/XX/XXXX.
On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of XXXX XXXX XXXX in the amount of {$330.00}. 

XXXX XXXX XXXX ( NRA ) informed me the collection was for a XXXX account from XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to NRA that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked NRA what  information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. 

On XX/XX/XXXX, I sent NRA a certified letter asking NRA to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I called XXXX to inquire about the account since the account number was on the bill NRA sent me. XXXX stated they no longer had access to that information because XXXX XXXX XXXX. I then called XXXX XXXX XXXX and they refused to speak with me only referring me to NRA. 

I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX  states that NRA has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. 

On XX/XX/XXXX, I sent NRA another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, NRA sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. 

I am simply requesting that NRA look at the billing history of this account to determine who was paying the bill.

I am requesting that NRA remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.
This is written in reference to Experian Credit Reporting Agency. I feel my federal rights have been violated in regards to Credit Reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from the company. When someone is a victim of wrong information being put on their file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all of the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit. Documents with my signature constituting obligations that is have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So fsr none of them has been sble to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rrights in this matter. Under the doctrine of estoppel by silence, XXXX v. XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, hope is Experian stating accounts are " verified '' on my credit report. The letters I receive from Experian states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their database is not a sufficient verification. Now I am prepared to sue Experian for being such as pain in the posterior to me. I provided more than enough proof to havr accounts in question removed.