WillisBack/dataset-financial-user-claim huggingface dataset:
credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my Bankruptcy XXXX removed from all XXXX credit bureaus, as i have spoken with all XXXX credit bureaus, and they respond with the statement " we have validated this Public Record with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
This debt is a MEDICAL DEBT COLLECTION.  This should be removed from my credit report immediately.XXXX XXXX XXXX - XX/XX/2017 - age: 5 months.
Just noticed I have a derogatory remark on credit report from XXXX XXXX. I have fought this before as a stolen identify case with another company. This time it states I opened an account XXXX XXXX XXXX when I have been XXXX overseas since XXXX I have not owned XXXX XXXX nor will I ever. They can not provide me with contract details or even the address that I supposed open this account. Police reports have been filed and sent to credit monitoring companies to no avail.
I purchased my home XXXX XXXX, I have never refinanced my home and my mortgage has ALWAYS been escrowed. My current servicer is PNC Mortgage and my previous insurance company was XXXX XXXX XXXX. Im not quite sure of the dates but this is how PNC and XXXX XXXX explained the timeline. 
Around XX/XX/XXXX- XX/XX/XXXX there was an additional payment that was requested from XXXX XXXX for increased dwelling. Somehow PNC never got the request so a notice of cancellation was sent to PNC XXXX XXXX PNC calls the insurance broker for XXXX XXXX and spoke with XXXX . XXXX confirmed my insurance policy was still active XXXX XXXX PNC sends a check to XXXX XXXX XXXX for the renewal payment but the check gets rejected. Once PNC calls XXXX XXXX again, they told PNC that they cancelled the policy XXXX XXXX PNC puts forced insurance on my property from XXXX XXXX to XXXX XXXX for nearly {$3000.00} a year! 
Now for the last 3 months PNC increased my monthly by $ 300 monthly! NOT TO MENTION THAT I DIDNT RECEIVE A SINGLE PHONE CALL UNTIL AFTER FORCED INSURANCE WAS PUT ON THE PROPERTY ( funny how the timing favors PNC! ) I have called both companies multiple times and they always respond with " Let me investigate this and get back to you sir '' I havent received a single phone call from anybody. Im sure {$300.00} a month is nothing to PNC and XXXX XXXX but it is for me. 
Both companies just sit there pointing the blame on each other when IN THE END I GET XXXX WITH A HIGHER PAYMENT!! 
PNC even paid XXXX XXXX when my loan got transferred for a renewal on the previous insurance policy. Ive NEVER had a late mtg payment, my mortgage is ALWAYS escrowed but the way they are handling this, its just not right. I feel very taken advantage of when I did not do anything to cause any of this. Escrow accounts are the responsibility of the servicer, that is why I paid extra monthly. The agreement in the beginning is to trust my servicer to pay for my taxes and insurance when they are due. Im sorry but this is not acceptable
I had 2 credit cards from CitiBank - A Thank You Preferred Card Opened in XX/XX/XXXX and a AAdvantage Platinum Personal Card opened in XX/XX/XXXX. 
Both of the accounts were in good standing with no payment delays. 

On XX/XX/XXXX, Citi closed both of my accounts without informing me about the cause or giving any notice whatsoever. Calling customer care was of no help. 

The card opened in XX/XX/XXXX was my oldest active card and the 1st credit card I had received after I came to US. As such, closing this card will have material impact on my credit score, which I have been trying to build over the last 20 months in this country. 
All my points associated with the cards are gone too!
In XX/XX/XXXX, I wrote a TransUnion a letter in good faith requesting they delete inquiries on my credit report that were previously deleted and re-added after computer glitches in XX/XX/XXXX and again in XX/XX/XXXX. The two glitches were the problem and error of TransUnion. By not giving me 5 days notice they were re-adding the deleted inquiries back on my credit report, they violated my rights. They responded with a letter denying to remove the inquiries. The deleting and then re-addding due to their glitches has caused a hardship for me along with violating my rights. I asked for the CFPB to help stop TransUnion from continuing to victimize me by requesting all the TransUnion inquiries be deleted from my report by already submitting one complaint on this issue. TransUnion responded to the complaint and again refused to delete the inquiries they added back on my credit report without giving me the proper notification before doing so. In response to this, I refuse to accept the results! TransUnion should not be allowed to mock the CFPB 's authority and continue to victimize me by ignoring my rights!
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, XXXX, and Experian. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, XXXX And Experian made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, Experian and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against XXXX.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against SOUTHERN MANAGEMENT
Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.
I applied for a Citi credit card to use for reimbursable work purchases in XX/XX/XXXX, two days after applying I received a letter stating that my application had been approved and that I would receive the card in 7-10 business days. The letter had a phone number to call if I did not receive the card within this time frame. On XX/XX/XXXX, approx. 14 days after having received the letter, I had not received the card so I called the number. The person who answered transferred me to someone else who said that he couldn't help because he was responsible for new accounts and I have an existing account, so he transferred me to a repeating message that told me to call the number that I had called to begin with for personal cards or another number for corporate cards with no options to talk to anyone or leave a voicemail or anything. I attempted to call the number again with the same results. The third time I said that I needed to cancel the card and they transferred me to someone else who asked a lot of strange questions to " verify my identity, '' and none of the answers that I provided satisfied her even though they were factual responses to her questions. Her responses to my answers were disrespectful and she accused me multiple times of attempting to commit fraud over about 20 minutes of attempting to confirm my identity. The conversation ended with her telling me that she has to send a letter to my registered address to confirm my identity before anything can be done. A couple of hours later I checked my mail for the day and found a letter from Citi that stated that I had suspicious activity on the account that I had just applied for and not yet received a card for and that I needed to call about the suspicious activity. So I called again and was transferred to a more respectful person who paid attention to my questions and answered them appropriately instead of saying " mmmhmmm, that doesn't match what we have '' to everything and accusing me of trying to commit fraud. It took about 30 seconds to confirm my identity with this second person, we discussed the card having not yet arrived and the suspicious activity letter. She stated that the card should arrive any day now and that I should ignore the suspicious activity letter because it had been sent in error. On XX/XX/XXXX,  the card still had not arrived and I received another letter regarding suspicious activity on the account. I called again on XX/XX/XXXX and went through a few transfers before talking to someone who said that he could help with the situation. I gave him the information that I had and explained what was going on, he said that he needed to put me on hold and would be back shortly. After being on hold for 9 minutes the call disconnected. I called again and asked to cancel the card, was told that I needed to be transferred and was hung up on again.
I have disputed XXXX XXXX XXXX several times through Equifax. The lastest being XXXX XXXX which the dispute was completed on XXXX XXXX. I have never did business with XXXX XXXX XXXX nor do I have a contract with this company. The last dispute only took Equifax only 6 days to complete. I think Equifax is being unfair to consumers and did not conduct a proper and timely investigation and with that they have violated Section 15 U.S.C 1681 of the FCRA ... .Where and what documents did Equifax use in their files to validate and investigate this account. Equifax has no proof or written contract in their files to hold the account to be true and therefore it should be deleted. As I am sure Equifax is aware, current Federal case law states, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... Promptly Delete all information which can not be verified.
I have already filed one case against them ( XXXX ) to which they responded and said it is n't them. I have video recordings of the voice call to show their number. They have since changed their number and are calling and harassing me at work again.
I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.
I received a loan for XXXX originally applied for XXXX and only took XXXX I got charged for the money I never picked up I paid XXXX on my first installment and I still owe XXXX. The interest is a rip off how can I get the amount paid if the interest does n't go down with a smaller amount due. I do n't get payday loans for this reason easy to get into hard to get out of!!!
On XXXX/XXXX/XXXX I had my bureau information pulled to complete a motorcycle loan. They informed me of a collection account that was added to my XXXX bureau XX/XX/XXXX. On Monday XXXX/XXXX/XXXX I pulled my Free Credit bureau from XXXX and noted that I did have a new unpaid collection from XX/XX/XXXX on my bureau from National Recovery. I needed to get this collection account removed in order to get the best rate on my motorcycle loan. I called the number listed on the collection and they were not able to find a collection in my name. They informed me to contact XXXX to obtain the full account number. I contacted XXXX and entered a formal dispute for this item and indicated I had not received any written notice and I obtained my account number. I called back to the National Recovery unit and offered to pay the collection if they could immediately send me confirmation via Fax or Email that I had paid the debt. They indicated they would not be able to send me confirmation of debt payment immediately and I would instead need to send them a self-addressed stamped envelope to receive a receipt of payment. My account number for the collection was XXXX and my confirmation of payment is XXXX. These practices cause consumer harm. Not having received written notice does not give the consumer the opportunity to dispute a collection prior to it showing up on a credit bureau and then not allowing customers to immediate proof of payment on a collection can result in them having a higher interest rate on loans. A consumer has the most rights to their own information and with today 's technology collection agencies should be required to provide an immediate receipt to customers. National Recovery should be investigated for violations of the Fair Credit Reporting Act for not sending out a written notice prior to entering a collection account on my credit bureau.
Bankruptcy listed with Equifax, XXXX and XXXX has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide.
Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to XXXX XXXX  and that I would be served, sued, and even possible jail time in the next two days. She also mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with XXXX XXXX  in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for Ocwen? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.
My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.
XXXX   XXXX     2018, a reported har d inquiry was pulled on my credit report. To my knowledge I had NOT giving this company consent to pull my credit. In requests I will like to see valid validation and signature consent for this company to run my credit.
I got a secured loan with Pioneer Credit in XXXX Ga. They repossessed vehicle and sold the vehicle. They have changed dates and amounts. They never contacted me for balance due after they repossessed my XXXX which I originally had a clear title. They have change and said it was a unsecure loan on my file I disputed I have took a picture in my phone. They continue to change the original date of filing with credit bureau. It was a 21 month loan. They reported I paid over 21 months on snap shot I have. They took the repossession off my credit file and reporting now that I just got the loan on my report. I have pictures and copies of last month report. The reporting company is from a different state now ( XXXX XXXX XXXX XXXX XXXX TN XXXX : XXXX )
On XX/XX/XXXX I wrote a letter to Equifax asking them to verify two accounts on my credit report. The accounts in question were XXXX account number XXXX and XXXX XXXX account number XXXX. Their response to me was that they needed to verify my address before completing the request however in my original letter to them, I included a copy of my driver 's license, SS Card and a recent utility bill that included my address. This address was also the address that was at the time and currently is on my credit report with Equifax. Their response included examples of items that I could send to verify my address including a Driver 's License, Mortgage or Deed, rental lease, utility bill among numerous other examples. Again, these documents were included in my original letter to them. I called to follow up and explain that I had already sent the documents that they requested, but the agent on the phone filed an additional dispute which reset the 30 days that Equifax had to respond. This was not my request. I was only calling to ensure that Equifax received my original supporting documents. I later received an email detailing the results of my dispute. When I logged on, I read where the results were mailed to me. I called Equifax to see where the results were mailed and I was informed that they were mailed to a PREVIOUS address on my file and not the CURRENT address that was reporting on the file at that time. This is a stall tactic and it will not be tolerated. It is also a violation of the Fair Credit Reporting Act. Not only did they not verify the accounts in question, they stalled the request by asking for additional verification which was already sent with the original letter and by sending the follow up to a previous address. 

Neither XXXX XXXX nor XXXX were able verify the aforementioned accounts so they followed the standards and laws set forth by the Fair Credit Reporting Act and removed the accounts. They deserve recognition for their adherence to the FCRA and I am pleased with their thorough investigation and follow up. I, however, can not say the same for Equifax. They have already lost the trust of millions of consumers for their carelessness in the company Data Breach of XX/XX/XXXXand they are continuing to fail at thoroughly doing their job to accurately report consumer information.
XXXX XXXX XXXX used the incorrect address when filling against me for damages in court. Therefore, I had no knowledge that I had the opportunity to defend myself before a judge in the court of law. Because I was never informed of the court date, I never knew I owed them anything until Sterling Associates appeared on my credit report. I contacted the company and they in fact confirmed that my name, phone number and address was listed incorrectly. At that time Sterling Associates then made me aware of what the charges were for. Charges were to cover paint, carpet and towel rack in the bathroom. I left a {$300.00} deposit to cover the cost of paint. There were no other problems with the apartment. When I moved in the carpet was 12 years old per  management. I asked if it could be changed and they said no. So why charge me for carpet when it was already time to change it? I believe that XXXX submitted incorrect information purposely to take away my right to argue my point before the judge.
Experian Date : XXXX XXXX 2017 Report # XXXX Experian has on XXXX XXXX XXXX XXXX showing {$1900.00} as written off I need from from Experian from XXXX XXXX XXXX XXXX there was {$1900.00} written off. 

This car was traded in on another car with the title.
I was offered a loan amount of {$750.00} from Big Picture Loans and was approved and was told that the finance charge was going to be {$260.00}. Yes, a bit steep but It was XXXX time and I missed out on a week 's pay so I agreed to this. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$6100.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I also saw online that they filed bankruptcy back in XXXX so how can they be lending out funds with illegal interest rates 2 months later?
On XX/XX/2018 I received a " Notice to Defendant '' that a judgment was entered against me for {$12000.00} and threatens to come into my home seize my property for auction. This was made in the town of XXXX XXXX, NJ ( which I do not live or never lived ). The plaintiff Rab Performance ( of  which I have never heard of or have had contact with the company or any of its representatives ) never contacted me before this lawsuit. The amount of debt they are trying to collect is not my debt. I know the debt that I have. I keep a close watch on my credit report as I am paying off debts to raise my credit score. This debt of {$12000.00} is not on my credit report, has never been on my credit report and is not my debt. On the court notice my name is incorrect " XXXX XXXX XXXX '' This has NEVER been my name. I would like for Rab Performance to redact this lawsuit judgment, because this is not my debt. I can issue my credit report to prove it.
Something needs to be done about this dishonest company -- Elevate. Consumer has filed a previous complaint, but this company lies and deceives to the point where no consumer agency has figured this out. Company is reporting that I am 30 days late when the payment was due XXXX XXXX, XXXX with an extension to XXXX XXXX, XXXX -- due date every month is the XXXX with a 7-day extension option. According to a letter dated XXXX XXXX, XXXX from XXXX, XXXX is reporting a XXXX late. This is in retalitation of the complaint I have made with this agency and a state agency. Elevate is, knowingly, reporting incorrect information to XXXX in violation of Fair Credt Reporting Act. I have called Transunion several times to dispute the balance on this account, and now this bogus 30-day late.
XXXX XXXX/Navient never fully disclosed how the loans worked. I have been paying for years, consolidated and forbearance and still owe ridiculous amounts. I called passed fee months to consolidate loan. They said roughly 20 years 240 months. Asked to have application mailed to me has no loan terms on it. Just my information . Sent information to them keep.calling for status and all they say is it is being processed and letter was sentXX/XX/XXXX. I do not even k ow details of loans nor agree to it yet and they are telling me getting approved. I feel it has never fully been disclosed and is why I am still paying on them.
THE CITIZENS BANK ON XXXX XXXX AND XXXX XXXX WHICH IS LOCATED AT XXXX XXXX XXXX XXXX. THE MANAGER XXXX IS VERY DISRESPECT TOWARD ME THIS IS NOT THE FIRST TIME. I CAN NOT CONTINUE WITH THIS BANK WHICH IS CLOSE TO MY HOME AND I DO NOT LIKE GOING IN THERE.