WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court that Transunion credit report has on file. Well the Court " XXXX County Register of Deeds '' has finally responded to my letter and its 100 % clear they did not Verify anything with Transunion. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section Where I ( Circled ) the Address and Docket number, also attached is the notarized letter I wrote to the XXXX County Register of Deeds and also attached is the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies. Which means these accounts were never VERIFIED.
Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y  XX/XX/XXXX  and still has not been removed.
My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.
I requested a copy of my entire servicing file from Caliber Home Loans as provided for under XXXX XXXX XXXX  since XXXX XXXX, 2018. Caliber has failed to comply with my request to date.
I have an incorrect discrepancy on my TransUnion Credit Report. I want to dispute this charge. After multiple telephone calls I still could not log in to Transunions website to complete the dispute resolution. Finally I called to dispute and the operator barely spoke English and the telephone call was cutting in and out so bad communication was not possible. Same problem when I called back. Therefore I was unable to dispute this inaccurate item on my credit. Credit Reporting agencies should have some responsibility to provide easy access to erroneous credit information, especially since they don't seem to be able to secure their computer systems against data theft. 

XX/XX/2018 Calls placed between XXXX -- XXXX Central time USA
The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.
After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.
My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name.
American Express had a promotion for signing up for a Platinum Card ( {$450.00} annual fee ), the promotion was that if I spent {$3000.00} in the first three months of the card I would get XXXX American Express Membership reward points. I signed up and met the {$3000.00} threshold in the first month, in fact spent {$4000.00} on XXXX transaction ( football tickets ). American express promptly credited me with XXXX Membership Reward points to my account ( XXXX/XXXX/16 ). 

Recently ( XXXX/XXXX/16 ) they took back the XXXX points in my account saying that I committed fraud to get the points and they were taking them back. At no time did I commit fraud, the only event that happened since earning the points was that I downgraded the Platinum Card to an Everyday American Express card. The reason I did this is that I discovered I would not be accepting a new job where the travel benefits of the Platinum card would be beneficial to me. At the time of cancelling the Platinum Card, I explicitly asked the American Express rep in our chat if I would lose the points by cancelling. The rep for AMEX said that I would keep all the points since I am maintaining the AMEX everyday card. This was a chat conversation that I know AMEX has the records to look up the exact conversation with details. Clearly I was lied to by this AMEX rep and would have kept the card open if the rep told me by cancelling I would lose the points. Which they did not! 

Upon having the points clawed back I contacted AMEX on why this happened and if they could fix it. AMEX would only respond that it was fraud with no specifics or evidence and they could not do anything to get my Membership Rewards points. I am a 20 years customer of AMEX and not some alleged Grifter. I feel that AMEX has committed their own fraud by not fulfilling their obligation of my XXXX Membership Rewards points offer. Furthermore, even when clarifying the situation before cancelling the Platinum Card, they lied again by telling me that I would keep my points by downgrading to the AMEX Everyday card. 

AMEX should honor their offer and reinstate my XXXX points as they are the only party committed fraud here by not honoring their own offer obligations.
On XX/XX/2017, this debt for {$340.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Complaint against XXXX XXXX XXXX, insured by NCUA. 

Offers products to Consumers, such as bank accounts, loans, mortgages, auto loans, interest bearing accounts, popular banking products. 
Checking accounts are opened and rated by.Credit Bureau worthiness and credit score values. Consumers who's.credit scores don't meet the threshold of credit values ; are offered an alternative account. 

" Checking Limited '' accounts are opened with restrictions, ultimately designed to entrap Consumer from benefits, fees, funds availability, normal convenience and ability to make final transactions ; which are normal to everyday commerce. 

A Checking Limited Accounts, are no different than " prepaid ATM/Debit cards '', no different than " cash only accounts '', designed to operate only with " teller services only ''. 

ATM Visa Debit is attached, but.does n't function necessarily as credit rather debit, depleting funds ; ..when funds may not be made available ; given a " hard 5 -- 7 day hold on all funds '' ... checks, and cash via ATM machine. 

Consumers operating with a Checking Limited Account are doomed to be able to access funds in a timely manner and access positive balances after deposit is made. ONLY CASH is available immediately and only cash ; ... is the only way to make deposit. 

This product should be able to mature or expiration dates should apply, after Consumer has established a short or long term banking history. 

At this point, the only way to upgrade to " Checking Unlimited '' ... .is by additional credit ratings and credit scores scanned periodically after period of time. 

This method of banking is below standards and is only causing hardships, additional fees and mismanagement of personal banking needs.
Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information.
I have a outstanding amount showing on my credit report in the amount of {$1200.00} and not receiving a bill. Please investigate. 

Thanks!
I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on Transunion it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On XXXX and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on Transunion, XXXX, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
The most recent issue is this : We had a modification on our mortgage. It was signed in front of our attorney with Ocwen on the phone with us for any questions. They had already filed suit on me eventhough i had paid and had receipts. 
On XXXX XXXX, XXXX the Modification was signed. Our payments would be XXXX by XXXX. My payment was made on time. 
I have recieved a letter in the mail stating that we owe XXXX starting XXXX. 
We signed the modification and agreed. Now they are wanting more, again. They also attached a balloon payment at the end and no credit given for the 14 years of payments that i have already paid. 
In XXXX, i was not going to include the house in the bankruptcy but recieved no affirmation from ocwen when I asked for XXXX. After I paid the payments from then to XXXX XXXX, i recieved no credit for it. They also say that they are not attempting to collect a debt. I never recieved a monthly bill, but i knew the monthly payment and continued to make them. Now since i have never been credited for those payments ( which i have reciepts ) since the modification, they are trying to collect the escrow for three years! 
They are asking more for the house now than when i bought it.
I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.
I have a collection agency calling me from a doctor I did see. This doctor was told that my attourney would pay after the case was settled from an accident. The doctor then shortly after being told, turned it over to collections. They called me and I told the collections they would need to contact my attourney about it ; at the time he was handling the case. Now however, The case ended close to a year ago and now they are claiming they have n't been paid. They keep calling me while I 'm at work and wo n't leave me alone even though I have told them my attourney paid everyone. The doctor is the original XXXX at fault for even turning it over to collections after being told it was being settled by an attourney.
I had a fraudulent charge on my bloomingdales credit card XX/XX/XXXX. It took them until XXXX XXXX to resolve the charge. Throughout the investigation process I was getting late payments marked on my credit report as well as a charge off. They keep telling me it 's cleared on their end and my credit report should be updated, but it has not. I even have a letter from them confirming that everything was resolved. This is causing me financial harm as I am trying to get a mortgage. My credit score was above XXXX and now it 's around XXXX. Every single time I call them I get a different answer. One has told me it 's all cleared and it should update on my credit report. The next person will tell me they are waiting to get the account back from a collection agency so they can remove the charge off.
Call constantly from spoofed numbers with a partially recorded voice and an automated voice stipulating that several complaints have been filed in their office and cooperation is mandatory. This has been going on for several months. the spoofed number is XXXX. The call back number is XXXX XXXX XXXX. XXXX XXXX XXXX. I received 2 calls on XXXX, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17. This is as far back as my call history goes. I told them if they wanted to take legal action then they need to file in XXXX county Texas against me and other than that they need to stop calling.
I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states, " These accounts are reported as unpaid closed accounts and may remain on your report for 24 months. '' 24 MONTHS! The federal and state law says 7 YEARS! 

I contacted NCTUE to remove XXXX accounts listed beyond the 2 years and was informed that federal and state law allows for reporting for up to 7 YEARS. 

The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS.
A dispute was filed against XXXX XXXX charge from X/XX/2017 2017 for merchandise or service not as paid for. Initially in attempt to save themselves work BOA dissuaded me from filing the claim but I changed my mind and asked XXXX in Arkansas to file the claim. He did not. His negligence let to a dominoe scenarios where my bank account was over drawn and charges were files all of which are the responsibility of XXXX not following through with filing the dispute. All the over drafts and subsequent fees lead back to XXXX decision to not do his job. Seeing as the XXXX and I have XXXX XXXX documented as misleading me this is clearly ended up in court with a special case against XXXX XXXX specifically and and extensive civil case against BOA I will just keep memorializing the assort torts that BOA and XXXX XXXX continue to inflict on me. They certainly are added up. I ask as that the instant credit from the XX/XX/XXXX dispute be deposited immediately and that all resulting fees be recinded. Good day.
I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX.  Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
My brother died 3 years ago and as such I received the proper paperwork from the courts to handle his estate such as it was. Our estate attorney suggested that we keep the property for 2 years and then sell. We did so for 3 years and then tried to sell the property. Upon doing the closing paperwork the company found a hiccup and it prevented us from going to closing. I then called Bank of America and  asked if they would take a short sale or a deed in lieu and was told emphatically NO. I was told that the property would have to go through a cascading process. It was then ( XX/XX/2018 ) that we stopped paying the mortgage. Now bank of America tells me that if I want to sell the property or short sale, or deed in lieu, that I personally will have to ASSUME the property for that to be done. I don't understand that if I was given power to handle his death, then why can't I handle this matter without turning my life not to mention my credit upside down.
On XX/XX/XXXX a total of {$1400.00} was taken from two personal accounts as an off-set recovery for a debt owed by an XXXX. I was a member of the XXXX along with my husband. When the XXXX was opened in XX/XX/XXXX a bank account and business credit card was opened with Branch Banking and Trust ( BB & T ). The credit card was in default after a steep decline in business revenue and the XXXX  was in the process of being dissolved. I personally bank with BB & T and on the morning of XX/XX/XXXX, I noticed my personal bank accounts had money extracted from them as an off-set recovery for the XXXX 's credit card. I believe that the bank had no right to collect monies owed by the XXXX through my personal earnings. My earnings are from a full-time job that is not part of the dissolved business/XXXX. I 've contact the bank and spoke with XXXX XXXX, Market Leader III who called BB & T on my behalf as she too was under the impression that they could not collect against an XXXX She also noticed that the business/XXXX bank account had been set up improperly.
The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology.
I owe for a past due utility bill from XX/XX/XXXX. I received a notice XX/XX/XXXX that I owe {$90.00}. I responded back XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Someone used my identity to ATTEND COLLEGE disburstments were made funds were never recieved.