WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed erroneous information on my credit report to which Experian responded that the information was " verified ''. Since then, I have sued a few of these creditors for refusing proper verification and they have been removed by the creditor. Experian continues to report erroneous information and the remaining creditors will not respond with appropriate debt validation. Additionally, Experian is letting unauthorized people check my credit and is reporting addresses that do not belong to me. Due to the fact that I have evidence that XXXX or more account they were reporting was in fact, not mine, this calls for a re-investigation and deletion of the incorrect data.
There are XXXX items on my equifax credit report for XXXX that donot belong tome. XXXX of them appear to be for the same thing at {$72.00} and the other is {$210.00}. XXXX has already removed all XXXX items because they were not mine and would like equifax to do the same thing.
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, XXXX, Experian. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and XXXX refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days
I have written to Experian on four different occasions requesting validation of the two collections that they have on my credit report.They have not provided me with any information that shows validation or verification of the accounts as I am not aware of these two accounts. They have simply came back and stated that they were verified and that they would not re-investigate although I was never provided with any sort of documentation. The accounts are as follows : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Hello, my name is XXXX XXXX and I recently moved to XXXX and have had a difficult time finding a job and paying my credit cards payments on time. While this has been a difficult transition for me I have still managed to make two payments a week late in the last month ( {$35.00} ). 
I still do not have a job yet and have decided to join the XXXX XXXX in order to serve my country and become more financially independent. While this is still in processing I am adamant about staying on top of my bills and paying my credit card payments on time. It is very important to me to stay in my integrity and honor the debt that I owe. 
The specific credit card in this situation I am writing to you about is Capital One. I have made two late payments and have been charged twice for late fees ( {$25.00} x2 ). I promise that this will not happen again and I will stay on top of this bill I just need those fees waived and for the derogatory marks to be taken off of my credit score. The XXXX XXXX is looking into my credit history and it is imperative that I be making on time payments in order to secure my contract with them. 
Please from the bottom of my heart I promise I will make my payments on time I just need some help clearing these two mistakes off of my history and my credit score.
they pulled back the loan and shut down my account without any reason or explanation. after i already purchased vehicle put money down and traded out my old vehicle.
IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) I 'm requesting a payment hx from XXXX to verify the DOFD reported on my credit file ... the date of XX/XX/XXXX is incorrect
Chase bank charged me {$95.00} annual fee for my Chase mileageplus explorer credit card on XX/XX/XXXX. And I always keep the card in a good condition without any late payment. However they closed my Chase mileageplus explorer credit card this XX/XX/XXXX without refunding any annual fee. I paid the {$95.00} annual fee for the annual service, but they just provided three months service without any refund.
I mailed a multiple inquiry removal letter to each of the inquiries that I did not authorize on my transunion credit report on XX/XX/2017 in order to dispute information that was being reported on my credit report. I have also contacted the credit bureau who responded back that these inquiries were a statement of factual record of file access which again they were not and advised me to contact the creditors which I have already done. " According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I have no received a response in over a month one can assume that there was no investigation into this matter. I plan to purchase a home this year for me and my XXXX children and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complain due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I went to XXXX and borrowered {$30000.00}. They now tell me i owe over {$32000.00} and i had a total balance of over {$55000.00}. There is in no way I ever borrowed that much money as my mother paid for my tuition until the last 18 months of my education. There are XXXX notes which I signed for and they do not total $ XXXX. I consolidated my loans and I want answers. You can not talk to anyone here and you can only email. The website shows payments but, does not indicate a running principal balance to review where we are to keep track of where you on in the repayment process. I have been paying each month with no late payments since I graduated for 2 years now and I owe more than I borrowed. Please have them explain. There was an inquiry at the school about the federal student loans when I went there and now I wonder if I should of looked into this sooner.
Left multiple message at my place of employment with multiple people stating they are from the XXXX XXXX office. Also left messages including my name and stating they are XXXX XXXX the actual attorney looking for me.
I have been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file.  I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done  they still continue to ignore this matter I have wrote to the general attorney (GEORGIA)  just recently
Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX XXXX XXXX.

Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically?

Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property.

The issue is that the holder of the note named by Ocwen as XXXX XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. XXXX asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX   XXXX  XXXX a division of XXXX XXXX  XXXX  involving an interest in real estate, land and building, immovable property.
I put in my information in XXXX to see if I could get a lower rate on my auto loan. I was contacted by email by many potential companies about a new loan, including, on XX/XX/XXXX, XXXX XXXX. I replied, asking the XXXX XXXX representative XXXX for their general rates. She replied with a list of rates, at which point I never contacted XXXX XXXX again. Two days after ( XX/XX/XXXX ) I received an email from a credit monitoring website that XXXX XXXX had initiated a " hard pull '' of my credit. I emailed them asking for an explanation, as I had never filled out a loan application or given consent to a credit check. I did not hear back from them. 

I contested the check with the credit reporting agency, Equifax, which denied my request, saying that the credit report was " factual ''. A brief XXXX search of " XXXX XXXX pulled my credit without my permission '' reveals that this is a standard practice for this company.
On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report
I had misplaced my checkbook and I was concerned that somebody might have gotten my account details. I called Schwab bank and they said that I could easily switch to another checking account. Upon setting up the new checking account, I called Schwab inquiring about when I would receive my new debt card and check blanks for the new account. The customer service person said that she had bad news, " Schwab had closed my new checking account, effective yesterday, for business reasons. '' I mentioned that I had a critical Social Security check that was being electronically deposited within the next few days, I asked if it would be possible to accept my Social Security deposit. Schwab customer service stated that it was not possible to accept my Social Security check and that it would be rejected and sent back to Social Security. I mentioned that my rent payment was dependent on this Social Security check, along with numerous electronic payments for various companies. The Schwab customer service person was apologetic but said it was impossible to accept my Social Security check because the account was closed effective yesterday. 

Well, my Social Security check was presented to Schwab and rejected the same day that I had called Schwab inquiring about when I would receive my new debt card and check blanks. Imagine your calling the bank to ask about check blanks and to your surprise they informed you that they closed your account yesterday and that your paycheck would be rejected. 

I later called Schwab and asked them if they were aware of the federal government guidelines when closing bank accounts that have federal Social Social Security deposits. Reference : " XXXX XXXX XXXX ( c ) ( XXXX ) '' and the XXXX A Guide to Federal Government ACH Payments and Collections. '' Per these guidelines, " Financial institutions must give 30 days notice of closing accounts to which benefit payments are being sent ( see XXXX XXXX XXXX XXXX c ) ( XXXX ) ). And, according to the Treasury 's XXXX XXXX, if a financial institution closes such an account for fraud, it must make arrangements for the owner to receive the next direct deposit if it wo n't keep the account open for 30 days. The individual at Schwab, stated that the department that closed my account was not aware of these guidelines. 

Meanwhile, it 's going on two weeks ; I am now fighting eviction, I have incurred additional costs due to electronic " bill pay '' payments that were in process when Schwab closed my account. Additionally, I have spent countless hours trying to get the rejected " critical payment '' check from the Social Security agency. I would like Schwab to immediately provide the Social Security payment which they rejected, cover the costs of eviction and costs that I have incurred due to rejected " bill pay '' payments, and compensation for the time that I have spent managing this situation. This comes to about {$5000.00}. Ironically, all this could have been avoided if Schwab would have adhered to the Federal Guidelines and XXXX XXXX when closing my checking account.
Recently we were denied a loan modification but approved for a repayment plan. We were behind around {$6500.00} approximately. We offered {$5000.00} in the form of cash/cashiers check and were asking to work out the remainining balance in the form of a payment plan but we were turned down. Wells Fargo came up with a repayment plan in the sum of {$13000.00} making the monthly payment {$2200.00} for 6 months. We were waiting for paperwork to come in the mail to decide whether we wanted to accept the offer or not. Never received it. XXXX XXXX contacted us in XXXX because they did n't received said payment in XXXX. We let them know we had n't received documentation. They agreed to resend it. They took a payment over the phone during that phone conversation before we had signed anything and returned it to them. We called the end of XXXX to schedule an automatic payment for XXXX XXXX, XXXX. It was understood they were taking the payment on that day. We got a confirmation number and everything. They never too ok the payment. Almost 2 weeks later we called to see why it had n't been withdrawn from our account and we 're informed that they had terminated repayment plan because payment was n't received before the end of XXXX. We questioned why we were n't informed of that the day we made the automatic payment arrangement and we 're given no explanation. We were told XXXX XXXX, our home preservation specialist would contact us with in 24 hours. Never were contacted by her or anyone for that matter. Received paperwork that foreclosure process had begun. Suggestions from Wells Fargo were short sale or deed in lieu. We desire to keep our home but feel they did n't want to work with us in the first place. Denied loan modification because it was " too soon '' because we had had one 2 years prior. Sent them a payment in XXXX which was sent back to us stating they could accept nothing less than everything were behind which was around {$1200.00}, I believe. Constantly sending people out to check to see if we are residing in the home.
Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from XXXX. This was the first time I was notified of this and right now, I am unemployed, so  I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in XXXX XXXX County, Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. XXXX and transunion still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.
I disagree with the original response Re : Case # : XXXX, re disputed with no response, how can one statement showing XXXX min payment of {$1900.00} owed validate an account that is against me. I have rights to, where is the initial contract, the validation of when the last payment was made on this account etc. I do not agree with this copy of one statement in court can validate an account. If fraud happen and you provided one statement this does n't help any of the parties. Your response I do not agree with and your company has failed to provide me validation.
I had a mortgage with XXXX whom then sold it to Greentree llc I had fell behind on payments, due to my husband having an unexpected medical emergency and started to work out a payment plan with a rep " XXXX XXXX '' she had me caught up all but 3 months which were supposed to have gone to the back of the loan, giving me a 2 month break and a fresh start. when i called in after not hearing a response I was told the loan was now serviced by Ditech llc, i explained the situation to my new rep " XXXX '' and was told they would not honor such claim i asked to speak to a supervisor and he apologized but he really had no answer to give me and to just keep making my payments, at that time my payment was supposed to have been pushed back and i had already payed medical bills and meds for my husband but make a payment at the end of the month this was in XX/XX/XXXX, and did not have an answer to give me, in the mean time i have kept making my monthly payments. I was then told i could get a modification since i was not in danger of foreclosure, which i sent paper work in, On XX/XX/2016 i called all morning and got no answer at about XXXX i got an answer from some one named XXXX who told me he could get no answers for me and no one was available to answer my question of the modification and after begging to please just tell me if it was good or bad news he said he would have to ask a supervisor, after 10 min he came back and said, they refused modification because no paper work was received and that no one could help me because they are in the process of updating, and that i would get a response thru the mail then he laughed and said well maybe because we all know that snail mail always gets lost ... .i still made my payment and asked again to speak to a supervisor and was told my rep was busy mailing letters and there was no one available to speak to me & that he actually was used to speaking to people with less vocabulary because he was a mobile home agent and not a home agent but he would take my payment as a favor to me. he then told me to call monday to talk to my new rep, and asked if i wanted my old reps voice mail, i left her a voice mail and as of today got no response that was on XX/XX/2016 then on XX/XX/2016 i get a letter saying they are foreclosing on my property on XX/XX/2016 but no other info was provided ... i need help, i can make my monthly payments plus past due but cant make my past in a lump sum.
I have received a monthly charge from Experian/FreeCreditReport in the amount of {$26.00}. My membership number is XXXX.

I no longer wish to have the monitoring service and have been attempting to cancel the service. When I call Experian, and select the Option to " cancel '', I receive a message that I have NO membership and phone call is disconnected.

I have also tried to cancel " online '', but receive no response to the dropbox selection of " cancel membership ''.

Appreciate any assistance, Thank you, XXXX XXXX