WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Trans Union then alleged to have verified my public record information with XXXX and the US Bankruptcy  Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Trans Union or any Credit Reporting Agency. 
The only clear thing is that the Trans Union is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of  any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Trans Union. I humbly ask for assistance in having this information deleted from my Credit file at Trans Union.
I was given a prepaid reward card in the amount of {$1500.00} from my employer from Bank of America. It had an expiration date of XXXX that i did not notice. On that date i had a balance remaining on the card of {$580.00}. I called BoA on XXXX/XXXX/15 to get a new card and was told that they could not renew the card but would send me a check for the balance and it would take 7 to 10 days to get a check. I have not received the check yet and i have made 4 additional phone calls to find out why. During one of the calls, i was told that the check department might not refund my money that was prepaid since the account expired! I consider this stealing my money! I have not been successful in elevating my complaint beyond the lowest level person that answers the phone when i call the number on the back of the card. They keep saying they will make another check request but they can not find out if my money will be refunded. This is totally inappropriate as it is money that was paid to me from my employer and BoA should not be allowed to keep the funds.
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   acoount # XXXX.I was never late.The information is incorrect.
Improper Credit of Payments during Bankruptcy : We filed Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX and our mortgage company was XXXX XXXX XXXX. The servicing transferred to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/XXXX. We made all payments to the Trustee, who subsequently made all mortgage payments directly to the lender. Our case was discharged on XXXX/XXXX/XXXX. As part of the Notice of Final Cure, the Bankruptcy Trustee stated the SLS claim was paid in full. In response to the Notice of Final Cure on XXXX/XXXX/XXXX, the XXXX Attorney stated the pre-petition arrears have been cured and the post-petition payment in the amount of {$4700.00} was delinquent. We paid the {$4700.00} amount and are current on our loan serviced by SLS. Even though we complied with the Final Cure and paid the delinquent payments, SLS is stating we are behind on our payments. 
No Notification Regarding Payment after Discharge from Bankruptcy : SLS sent no notification to make payment after our BK discharge ( XXXX/XXXX/XXXX ). Also, we could not access our loan information on line until XXXX/XXXX/XXXX. We made several calls to SLS and were even told not to make a payment until they reviewed our loan. We did not know when our next payment was due. Our second mortgage, XXXX, sent us a letter indicating the amount of payment and place to make the payment. All payments were made timely to XXXX and XXXX did an excellent job keeping us informed. Despite many attempts to obtain accurate information from SLS, it became clear there was no one competent at SLS to answer our questions regarding the amount and due date of the payment. 
Incorrect Pay History : This error has resulted in inaccurate amounts added to our loan, such as interest and late fees. We received a verification of mortgage on XXXX/XXXX/XXXX which is also in error. 
Improper Credit Reporting : We applied for a loan with XXXX XXXX and were denied due to SLS showing we are currently delinquent on our mortgage.
resurgent capital services sent me only a summary of debt. I requested from them according to the FCRA section 609 the original documentation with my signature on it about the negative item which was reported on my credit report. They must delete this item by law.
In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. 

XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. 

XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was contacted by ERC regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to ERC, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. 

XX/XX/XXXX I was again contacted by ERC with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was again contacted by ERC in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. 

I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. 

All supporting documentation will be provided via request.
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
First of all, I went through this process THREE times with Citizen 's Bank HELOC which I received a letter entitled, " Your Investigation Results '' which states that Citizens One Loans is " deleted '' from credit report I thought they understood that meant it was not me who spent the {$9000.00} line of credit and beyond a preponderance of the evidence, it was their senior representative - XXXX. 
In the previous Complaints to the CFPB, there Office of the Chair was just answering my complaints as if tea ever read them!? In the complaint, I wrote that I was told, years ago, by XXXX that it was costly to transfer money to pay my HELOC and at the time, I trusted banks! XXXX of 2016, I entered the bank seeing XXXX, the teller closest to the entrance. I saw on his computer screen my account opened and a larger amount deposited into an account I thought XXXX closed and money buy the hundreds was being transferred into my checking account # XXXX!!! I did not know at the time to take a picture and where is their fraud department as I had an account there for over 25 years and if I wanted the money ( check from XXXX XXXX ), I would have deposited it into said account!!! 
The Office of the chair in my last complaint told me it does not cost anything to make transfers ( I KNOW ) and Informed me that I should go to XXXX XXXX ( which I DID & sat in that office ( prior to the chair 's office recommendation! ) as I have my XXXX! Although it would be illegal to take advantage of a XXXX XXXX individual. I never made a claim for water and sewage back up which is what the heck is written on the check I never deposited into closed, I thought, account!!!!! 
I just got a bill AGAIN saying I owe {$100.00} by their Equity Department manager in the Collections Equity3?!?! By the way, the branch at the location I banked CLOSED!!! I wonder why ...!?!?! 
I never took any money from that account but was paying it! 
Once, I went to the bank because I never in entire time banking at Citizen 's received any statements for that account not knowing that there are billion dollar lawsuits for a bank to have an account open in their name and that person, in this case ME, not knowing about it! or never receiving statements!!!! in my last complaint, Citizens hello department I infer thought it funny to send me all the paper work at once so the pile was 3 inches high or more!!!!! Little too late I think!!!!! I was unaware of activity as I never made activity!!! I asked for XXXX and he 'actiing ' like he was having serious conversation with the HELOC department ( way before this incident in 2016 ) but when I asked what was said he told me that he could not discuss it and being naive, I accepted that as an answer ( don't ask me why?! ).

I do not owe any money to Citizen 's and why did I get a removed from credit report and still get a bill????? 
I DO NOT OWE IT WAS A RESULT OF IDENTITY THEFT!
On XX/XX/XXXX someone opened a credit card account using my stolen identity with Continental Finance/XXXX Bank. The card balance became delinquent and was subsequently charged off. I became aware of this fraudulent card account on my credit reports XX/XX/XXXX. XX/XX/XXXX I faxed a police report to the credit card company and requested the removal of the account from all XXXX credit reporting agencies. I have faxed this request dozens of times and made several calls since then, and the account is still not removed from my credit reports. The credit card company has now asked me to send them a copy of my credit report showing the account, even though they have already determined it to be application fraud. Continental Finance has never contacted me in any way to help resolve this issue, and their ongoing inaccurate reporting of the account has continued to damage my credit rating.
Received repeated calls from Direct Recovery Services which were intended for someone else. These are at least weekly and not intended for me. When I called the number back to have my number removed and ask why I was receiving so many calls meant for other people, a man named XXXX XXXX screamed at me, shouted over me and told me I " need to stop barking like a dog, who do you think you are, do you know who you're talking to, you dont talk to me like that '' etc. I then asked for his name and what company he was with. He refused to answer. I then asked for his supervisor. He refused. I asked him again and he said " I tell you what, you can have my name, XXXX XXXX, Direct Recovery Services. Theres no manager here, theres only one person above me and thats the owner of the company and you aint gon na talk to them. '' This was all because I inquired about a calls I receive that are not meant for me. He basically told me to shut up and then maybe he'd answer my questions. I dont know this company and have XXXX debt.
On XX/XX/XXXX, I noticed there was an unauthorized {$200.00} withdrawal on XX/XX/XXXX from my Citibank checking account. I immediately contacted Citibank on 1XX/XX/XXXX as soon as I noticed the unauthorized deduction. I was advised at the time that a provisional credit would be issued and there would be an investigation into the matter. On XX/XX/XXXX, I received a letter from Citibank stating that upon their " investigation '' they determined that the withdrawal was made by myself or an " authorized third party '' person. Furthermore, the letter I received stated that they do not routinely use ATM video to do their research. Well, how else do they investigate if not with the video surveillance? I immediately contacted them to dispute and escalate the investigation, but they already deducted the {$200.00} provisional credit they issued. I vehemently denied that I did not deduct the funds, nor did anyone else that I authorized. I have never been in the town where the theft occurred. Furthermore, I never use non-Citibank ATM 's, and this happened at a XXXX XXXX ATM. I immediately felt as though I had been victimized for the 2nd time. Once from the thief and again from my own FDIC insured bank that I have been banking with for 19 years. When I reported the unauthorized withdrawal, I was asked a series of questions. One being if I have ever shared my pin and if anyone has ever been authorized by me to deduct funds. I HONESTLY answered yes, because I am married and it is NOT uncommon for spouses to have access to their accounts. I feel as though, this honestly led to my demise and Citibank found an out in honoring my fraudulent claim. I have never had any other claims for theft on this account and have never had an issue until as of recently. In the past 3 months I have been issued 3 new cards due to fraudulent activity. It seems as though there is an issue with Citibank because someone else that I know who also banks with Citibank- has had the exact same thing happen to them. To prove I did not deduct nor authorize this deduction- I filed a police report in the town in which the theft occurred. I would not risk going to jail for {$200.00} if I performed or authorized the deduction. To be perfectly honest, I do not feel safe with my hard earned money in Citibank anymore. They are there to protect my money and this experience has been the furthest thing from " protecting '' me.
This company is charging me a debt I do not owe. There are errors that are reflected on my credit report of debts that do not belong to me. I want this collection removed from my credit report immediately
I have had a loan with XXXX XXXX for about 2-3 yrs, then it changed to Navient and I have been needing assistant with repayment or at least trying to make payments on my loan but could not afford to make the payments because they were to high. They company always offer a forbearance as the first option but nothing else. I am highly frustrated because this loan affects my credit score and any loan that I have ever applied for. I need help to get this taken care of.
I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XXXX. XXXX XXXX also placed the account in collections with XXXX XXXX XXXX as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted Transunion and XXXX as well and seem to be getting nowhere with the removal of these charges.
Midland Credit decided to mail one of my notices to my future mother-in laws home? I do not understand why they would do this! It was addressed to me, and all she had to do is google the address to see where it is from. I HAVE NEVER LIVED IN THIS ADDRESS!!!!!! I am embarrassed and annoyed with this process.
On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.
Said I have 3 months to stay or go and they said the government will help me with the payments I was there for 2 months and I had to drop out due to daycare which they also said I will be helped with also on my credit report I have debris disputes about the same account
The pentagon Credit card seems committed fraud against credit card holder, usually it takes three business days for pending transaction to post and when it post will be added to my balance but now since XXXX2017 Pentagon Creditcard about {$600.00}, transactions that posted it doublicated and stayed pending and the charges added again to my balance, I called pentagon creditcard I told the rep if you check my current and recent charges ( they are categorized differently and shouldnt doublicate and if the charge post it should automatically changes from pending status and only once can be added to balance and if these transactions happens to be at month end shouldnt THE INTEREST SHOULDNT BE CHARGED TWICE and closed because Im being charged interest twice and it is fraud, eventually the pending charge will dropped but the interest charges already calculated twice at closing monthly statement, THIS IS FRAUD, Im attaching two exhibits Recent and Current transaction during monthly closing statement with twice interest charges.
Please review the exhibits the extra interest calculated in closed monthly statement.
NFCU made false threats regarding loan repayment. RE : Improper Debt Collection Practices and Civil charges against NFCU, reported XX/XX/XXXX.

I just found out Today, XX/XX/XXXX, that a suit was brought against Navy Federal Credit Union regarding false threats against debt collection. I originated this signature loan in XX/XX/XXXX and fell behind when I lost employment and had, and still have, reduced income. I am now considered " low income '' - my monthly income is about {$950.00} at this time.

NFCU froze all my electronic access to my online and other accounts.

I am still making a monthly payment. I am in process to renegotiate a settlement amount if possible.

I was never offered, never received a letter, that says I am " eligible for redressable payment '' or was never offered a payment regarding this lawsuit. Am I eligible to receive the {$1000.00} payment? NFCU never offered me any type of payment, even though I have been " harmed '' by their false threats between XX/XX/XXXX and XX/XX/XXXX and they still to this day have frozen my account access.

Am I included in the affected members in this civil action?
The credit bureau does not want to remove a XXXX account on my credit that is not mine. I have never had an account with XXXX and I know I have no unpaid debts with them. I have called XXXX and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to XXXX in the past and XXXX promptly deleted the account in XX/XX/XXXX once they verified it was not my account. How can there be different results between XXXX and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching XXXX 's investigation results also showing the account was deleted. The account number is XXXX and the balance is {$54.00}.