WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # XXXX EXPERIAN-XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *Experian is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 
Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
I returned a call and spoke with a young lady who had an attitude with me. I have the call recorded. 

I asked her who the creditor was and she refused to tell me and kept asking for personal information. 

I did not feel comfortable giving information to a random person who could n't tell me who they were collecting for. It 's not uncommon for people to phish information out of others to steal an identity. 

All I needed to was who the creditor was to verify she was who she said she was. 

I talked to her 5 minutes til XXXX Friday night and by Saturday night it was on my credit. 

I have received XXXX communication and I feel she did this maliciously. She said " I guess I ca n't help yaaaaaaaa ''
My credit report has been questioned and ruined because of a XXXX service that I utilized in XX/XX/2015. XXXX charged me around {$2800.00} excluding my XXXX insurance coverage of {$1200.00} annually. XXXX took care of my {$2800.00} payment and I paid XXXX $ XXXX $ XXXX monthly for 12 months. I was only aware of these expenses. My insurance denied last payment to XXXX because XXXX provided me with some XXXX services that I never agreed to have and they never got a signed agreement for me to pay anything extra. I have documents attached to evident my statement. I also want to request investigation. XXXX has ruined my credit score and put me to AWA collections on annual credit report. Please assist.
Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.
On  XXXX   XXXX  I filed a proper dispute with Experian on an unknown medical account on my credit report because if it was mine it very well could be obsolete at this time. In my dispute I requested the name and address of the service provider, patients name, dates of service, etc. I received back a response dated  XXXX   XXXX  stating the investigation is complete and that they contacted the company and the account will remain on my report. On page  2  dated  XXXX   XXXX , it clearly states : If interested, you may request a description on how the reinvestigation was conducted along with the business name, address and phone number of the furnisher of information.   So I re-disputed with Experian on  XXXX   XXXX . Asking them to supply that information to me, as I am requesting it again for the  2nd  time.   In addition to sending Experian the dispute, I also contacted the reporting collection agency on  XXXX   XXXX ,  XXXX   XXXX   XXXX , with a dispute and request for validation on this unknown account as per instructions from Experian 's dispute results letter dated  XXXX   XXXX ,    2017 I aske d for proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.   I received a letter from  XXXX   XXXX  dated  XXXX   XXXX . Their version of verifying this debt was  a one pa ge sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges.   They way that I see it, Experian cant furnish the requested information to me because if they did properly investigate my dispute, they would be able to furnish the requested information to me. IF they contacted  XXXX   XXXX  and requested the information from them, like they want me to believe, they would also have no information on dates, services, doctors, etc, because  XXXX   XXXX  is unable to provide that information to me as you can see in the follow up letters.   Experians refusal to investigate is a violation of the FCRA and FACTA.
My identity was stolen and someone opened up a XXXX account in my name in Alabama. I reside in New York and have no nexus to the state of Alabama. They ran the bill up to {$3000.00}, I learned XXXX assigned the case to Amsher Collection Services ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL XXXX. Amsher is represented by XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX # XXXX, XXXX, AL XXXX ( XXXX ) XXXX. Neither Amsher nor XXXX XXXX will provide a bill or statement of amount due. They hang up on me when I ask for any kind of statement. They never provided any verification of debt. Without any kind of statement I am unable to file a police report, and if I am unable to file a police report I am informed by the credit agencies I can not successfully have the debt removed from my credit.
I got a flex loan with XXXX XXXX. The balance is now around {$4600.00} with an interest rate of 279.50 %. The payments are $ XXXX/month and I can not afford that. 

I have called the company and asked about lowering the interest rate, so that I can make affordable payments. They refused to lower the interest rate. I'm not trying to get out of paying the principal back, but I see no hope in even trying with such a high interest rate. 

I have learned my lesson. I will never do this again. We could work this out, if they will just be reasonable.
I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.
Received a letter ( Exhibit A ) dated XX/XX/XXXX informing me that I owed {$2100.00} in damages and other charges for my recently returned leased vehicle. 

I responded by mail on XX/XX/XXXX ( Exhibit B ) and raised my concerns about the cost. 

I received another letter ( Exhibit C ) dated XX/XX/XXXX that did not address the concerns raised my XX/XX/XXXX letter. I called the company and they informed me that they never received my letter. They advised me to fax it, which I did on XX/XX/XXXX. Confirmation of fax receipt attached as Exhibit D. 

I recently received another letter datedXX/XX/XXXX that restated the XX/XX/XXXX letter. There has been no effort made to respond to my letter.
MY CAPITAL ONE ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU
I have been harassed by this company they have been making threating phone calls and they have been calling my son and my brother and I have no idea how they got there phone numbers. They have told my son and my brother that if they do n't tell me to call the company that they too will be in trouble. They also without my authorization withdrew money from my personal checking acct.
Bank of America through their Trustee Attorney XXXX and XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XXXX XXXX, XXXX. Specifically, XXXX and XXXX, XXXX. misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance and only submitting the principal balance to the California Superior Court, case number XXXX. 

Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and all other previously requested desired resolutions.
I was notified by XXXX XXXX that this recently showed up on my XXXX and XXXX credit report. I viewed my credit report and it shows a collections item from Midwest Recovery Systems. The account was opened on XX/XX/2018 ( 3 months ) and the original creditor is XXXX XXXX. The amount is for {$350.00}. I never requested any payday loan on or around this date from this company. I haven't had any payday loans in over 5 to 7 years. I feel as though this is a result of identity theft and/or fraud. 

Creditor Information Provided by XXXX XXXX is : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. 
My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.
I opened a account with Navy Federal and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by Navy federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
Recently received a debt collection from XXXX, XXXX XXXX XXXXXXXX XXXX XXXX   concerning a Discover Bank debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from Discover bank * A copy of all attachments has also been mailed out
I was in disbelief when I saw on my credit report a late payment reporting for me in XX/XX/2016. I am not sure what may have happened. I believe I made all my payment to you when I received my statements. My only thought is that my statement never got to me.
On XXXX XXXX, 2016 I paid off a home equity line of credit to Wells Fargo Bank. The day we sent the payoff check I called Wells Fargo to ask what the payoff amount was. I was quoted, {$57000.00} over the phone as the payoff amount. A check for that amount was sent to Wells Fargo that day. 

My home equity loan was paid off, and my account was closed. Then Wells Fargo opened up mortgage account, ( which I never signed any documents for ), and sent me a bill for {$670.00}. 

I called Wells Fargo and filed a dispute, stating my loan had been paid off with they amount THEY quoted me as the payoff amount. 

Because I complained, Wells Fargo retaliated against me by DAMAGING MY CREDIT RATING. They also sent me a letter, telling me that no payoff amount was request. THAT IS A BLATANT LIE. I CALLED THEM ON THE PHONE BEFORE THE CHECK WAS ISSUED AND REQUESTED THE PAYOFF AMOUNT. The payoff check was the amount I was quoted over the phone.
I deposited 3 checks on my chase checking account ... 1 it was for XXXX  XXXX XXXX XXXX {$2.00} check was for chase credit card XXXX {$3.00} check was on my name XXXX ... after 2 days ... my available balance it was XXXX .... I start making payments to XXXX XXXX XXXX XXXX {$20000.00} to chase credit card ... and others pays ... in 2 hours my account was overdraft XXXX .... for more then a month ... I dont have any money and all my direct deposit checks from my company ... goes directly into this checking account ... 
... I start taking money out of my credit cards with higher apr ... just to be able to survive and pay everything on time ... 
called chase several time and no one has an explanation about the error on my account and how the checks got cleared even if they werent made for chase checking account .... I need legal advice and I want to solve this problem before I lose everything ... money, house, credit ... 

XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018 my billing period ended for my Citi Double Cash Card. I had Cash Rewards accrued in the amount of {$63.00} which I redeemed for a Rewards check to be sent to my mailing address. However, I did not receive the check and approximately 3 weeks later, called the company to resolve the issue. They said I would instead receive a direct deposit against my credit card in the amount in question. However, a week later I received a letter stating that they are unable to stop payment on a check and reapply the credit on my account, and that a rewards check would be sent to my mailing address. I again called the company, and they stated a direct deposit would be coming. However, I again received the same exact letter, and am frustrated by the experience.
I fell behind on my payments in XX/XX/XXXX. I had a XXXX XXXX XXXX in my left leg and a XXXX. I was in the hospital from then until XXXX and in medical rehabilitation until XX/XX/XXXX. This made it very difficult for me and my family to stay current on my payments because I was focused on my recovery. I inherited this property from my father, I am his only son. I began the process of probating the estate in Early XXXX. I have applied for mortgage assistance four times. I sent a request for mortgage assistance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the I was not being reviewed for assistance until I had a deed in my name along with letters of administration and so I was denied. I then reapplied once I had those documents. Now M & T bank is saying my application is being removed from review because there has been " No material change since the last submission. '' This is the second letter I got with this decision. I am unsure I fi am being denied assistance or if I am just not being reviewed. I have submitted everything necessary the bank has asked for.
I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The  amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. TransUnion, XXXX, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Someone created a secondary bank account in my PayPal account. For nearly a year and a half, this person has been syphoning money in small increments to avoid detection from my PayPal account to his/her XXXX account for a total of XXXX dollars. I attempted to resolve it with PayPal and after offering to tally up the total and refund the money, they called days later revoking that offer and giving me XXXX dollars saying that LEGALLY they could only go back six months. I was legally advised to contact you all in order to weigh my options on how to get my money back. I 'm a XXXX that was heavily affected by this robbery, so please help in any way you can.
On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....
U.S. BANK RECOVERY IS IN VIOLATION OF FCRA, FDCPA AND TCPA! ALSO, COLLECTING ON FRAUDULENT ACCOUNT ACTIVITIES AND SEVERAL FCBA ISSUES.
Since Monday XXXX I have received calls from this company each day and most twice a day. This company has blatantly violated the FDCPA in attempting to contact more than three times a week. Then attempts were XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX, and last attempt was XXXX at XXXX when I finally got through to someone and told them to stop calling. In addition after discovering what the account was for and who the company was they have also failed to send the first notice for the account as it has never reached my residence and the address that the original creditor has/had is my current address. 

They used XXXX different numbers to contact me : XXXX, XXXX, and XXXX
These 35 inquiries I have disputed more than 5 times and yet they remain. I did not authorize, Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Manager Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX  XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies