WillisBack/dataset-financial-user-claim huggingface dataset:
This is a account that continues to report negatively to my credit that is not mine. It lists me as a authorized user, but stopped reporting XX/XX/2015. The company agreed to remove this from my credit report since it was not mine debt and sent me this in writing and verbal agreement via phone - but XXXX days later it still appears. Equifax is not updating their report or the company did not due as they are required. It is also reporting a late, which is not mine, which is negatively affecting my credit score, and ability to obtain new credit and qualify for a mortgage.
My account was infiltrated from somebody in Maryland. They added {$900.00} to my account tried to withdraw the money out a little bit at a time. I called and the fraud csr said they were cut off and whatever remaining funds in your account is currently your property. Maybe a week later, my account is hit return fee and multiple other fees. So I called back and a different fraud csr said it was a bad check that was written and do n't touch any of the money. I had already withdrew my funds from my account to pay my bills before I was informed this was a bad check transaction. As this result, my XXXX payroll checks went through and the bank kept the money and have been blowing me off since. I went to a branch twice and was told to call fraud department. I I have attempted a couple of times since then and have lost confidence in receiving the money I worked. Can you help me please?
I paid my Macys Credit card off 2 times - the first time I paid it off in full. The next month they charged me another XXXX - then again the next month. I called and they stated that they would take care of it and pay it off. 8 months later I find out when I checked my credit they never did so. They kept charging my account XXXX - I have had this card since XXXX never had an issue until this year. I have never paid a bill late. Macys never sent me a notice about the account being pass due ever. I had to close the account and Macys still shows my status as Charged off / pass due and account paid. This dropped my credit score from XXXX to XXXX. I read on line that this is happening to a large number of clients. This is deceptive and additional charging to a credit card that has been paid off - if not out right fraud.
XXXX did not honor our contract agreement and sent me to collections without cause. They eventually sent a letter to Congressmanwoman XXXX XXXX office, but never contacted me. I have made several attempst to contact them but no response. Please not dates of documentation. I have had no gas for over a year and no heat. They sent me to collections and I want them to honor their agreement and remove me from collections and compensate me for all I have spent to keep warm. If they do not, I am filing a suet with my local court. Thank you. CR
XXXX XXXX XXXX was repossessed around XX/XX/XXXX and sold without our knowledge
They do not allow for early payments. For example, my payment is due on XXXX/XXXX/2016. I wanted to make my payment today, XXXX/XXXX/2016. They will not allow it. You can only delay payments, you can not advance them. While you are allowed to make additional payments or pay off early without penalties, you can not make advanced or early payments. This establishes a minimum interest charge that can not be reduced in order to pay off early. They advertise " no prepayment penalty '', however you are actually not allowed to advance your payments in order to prepay early. It seems unfair and deceptive.
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.
Capital One credit card is in XXXX XXXX XXXX XXXX name. He passed away on XX/XX/2015 and died intestate and insolvent. I have disputed this claim and wish to have this removed from my report. XXXX XXXX, had total control over this account. It was not a joint account. When paying the account each month in full, if I disputed a charge they had to receive permission from XXXX XXXX to talk to me. They should try talking to him now.
None of the information on the credit bureaus are mine. I have been complaining about this for years. My transunion,  XXXX , and   XXXX   are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
A credit card was opened up in my name using CBNA. I believe it is a store credit card through Best Buy. The card was opened on   XX/XX/XXXX .  I did not open this credit card and want it removed from my credit report and closed immediately.
XXXX from cap XXXX fraud called told me there rebilling me XXXX for a charge to the XXXX hotel where i never stayed or authorized even though i file a police report and there advertising XXXX fraud liability there need to be investigated for violating the XXXX and false and deceptive practices
I have been in contact with this company on multiple occasions in regards to listed accounts being reported to the credit bureaus under my name. Acct #  XXXX ,  XXXX ,  XXXX , and  XXXX . This company claims i owe them money for these unpaid accounts, but has not been able to verify that these accounts belong to me. I have asked for validation and i have received a billing summary. As per the FCRA article 609 section B, validation must include an original signature from myself stating that i am the owner of these accounts. A billing summary is not verification and does not include my original signature. This company has claimed that they have verified my address, however i am not nor have i been affiliated with the address listed on these accounts and i have called all  XXXX  credit bureaus to confirm this information. I have been a victim of identity theft and all  XXXX  credit bureaus has a copy of the report on file. I am requesting that this company remove these accounts from my credit file or prove to me that these are my accounts. I have never been under contract with this company nor do i feel that i am under any obligation to pay for these unverified accounts. This is my last and final attempt to resolve this issue before i file suit against this company. Once this case is taken up in the court of law this company will have to provide all documentation that holds me accountable to paying these accounts. My credit and name is being tarnished by this company and i still have yet to receive proof or verification that these accounts belong to me.
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They have different names listed with the same address. It is listed under experian as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI-XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the three credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
Towne Mortgage is a company that purchased a home sometime this year from XXXX, a company that held a mortgage on which I filed chapter XXXX bankruptcy and had discharged in XXXX 2014. Towne Mortgage has fraudulently reported on my credit report that I have an account with them that was included in bankruptcy, so that it seems I have XXXX mortgage accounts that have been included in bankruptcy. I have never held an account with them and because the loan was discharged, I was legally no longer obligated to this home or loan. Since they have recently purchased this home, it has began to appear on my credit reports in the last 2 months and has negatively affected my credit score. I have provided proof to the company that this account is also showing with a balance owed on my XXXX report and is being reported twice by Towne Mortgage on my XXXX report. I have been back and forth with Towne Mortgage for the last 3 months over the inaccurate reporting and the negative impact it has had on my score and subsequent ability to gain credit. They have yet to resolve the issue. As I have explained to them, as well as my bankruptcy attorney, once the debt was discharged, they do not have the right to report anything on my credit report regarding the debt, since they were not the holders of such when it was discharged and the loan was not reaffirmed after my bankruptcy. XXXX XXXX has correctly reported the debt, and it reports on all XXXX as included in BKP, as it should. XXXX Mortgage has never been a holder of any debt that I am responsible for, therefore should not be reporting anything on my credit report.
I 've been asking Equifax to assist me with correcting information on my credit report for more than 4 years. It seems they have some incorrect personal information because I can not be " verified '' using their automated system. 
I 've called, which leads to an automated system that hangs up on me, i 've attempted to use their web service for disputing errors, and i 'm not able to login because i 'm not able to be verified, and i 've written letters, but never received a response to a letter.
On or about XX/XX/2016 I contacted my student loan servicer, Navient and requested the following information be mailed to me : 1 ) Copies of my XXXX promissory notes ( aka copies of ALL original loan paperwork ) 2 ) XXXX schedules for each of my loans detailing the following balances/payment applications/account status on a monthly basis : a ) Beginning monthly balance ( starting with each loans origination date ) b ) Payments - including amount of payment applied to interest and principle each month c ) Interest charged each month d ) Ending monthly balance XXXX ) Loan status each month ( forebearance, current, etc. ) I was told I would receive all original loan paperwork, promissory notes, within 30 days. I never received this paperwork. 
I was also told they were not able to provide me with XXXX account details as they only retain such information for six or eight years. Given the recent news of Navients big fine for illegally appling payments, I now understand why I they did not provide me with this detail. 
I now ask for your help to compel Navient to supply me with this information timely.
The debt collection agency has reported to the credit bureaus that I owe money to XXXX. I have not had a XXXX account for over 10 years no do I owe them any money.
I sent a letter to Progressive Managment Systems to validate this debt and to also see any HIPAA authorization forms. This company failed to properly validate this debt or send me any HIPAA authorization forms. They also disclosed personal medical information that was not authorized by me. I never had any contract with this collection agency.
Experian refuses to remove 4 bankruptcies on my report. I have sent the 4 notarized dispute letters. Also the jurisdiction the bankruptcies were filed in is out of my jurisdiction. The zipcode is wrong also. My zipcode is XXXX the zipcode the were filed under is XXXX and they refuse to remove it. I have been working on this since XX/XX/XXXX of last year and the a refusing to move it.
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX   ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : FIRST FEDERAL CREDIT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
on  XX/XX/XXXX  w hile attempting to use my debit card i was denied, upon further review i went to go look at my account online to see what the problem was. apparently someone withdrew   XXXX   from my account and over drafting it in the process, so i alerted the fraud department as soon as possible and they said i had to wait until the   XX/XX/XXXX  to file a claim in which i did. fast forward 4 weeks and i get a letter saying that they  came to the conclusion that i had withdrew the money. i contacted them again and they refused to reopen the claim citing unless i had some kind of proof like a police report that they wouldnt reopen it.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes.
I have been going thru a divorce case for the past 3 years and last year I had to start paying spousal support of XXXX per month. I stopped going to school and had one year of my XXXX left, but with all the XXXX and XXXX ca caused by the divorce I was not able to go forward. the fed loan serviceing office has been on my case since then and demands that I start making a payment, I exp explained to them that right now I cant make any payments, or if they can refer me to a place where I can work as a XXXX ( to qualify to have my loan forgiven ) I might still go back to school once every thing in my personal live settles down. 
I also owe money to the irs, since my spouse refused to file taxes with me jointly. I keep being bothered by the fed loan servicing department and they are not not trying to consider my situation. please help me. thanks. XXXX.
On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score.
DEBT RECOVERY SOLUTIONS DATE ACOUNT OPENED : XX/XX/XXXXAMOUNT OWED : {$570.00} So after receiving my annual credit report I had noticed that this entry DEBT RECOVERY SOLUTIONS has reported to all 3 Credit Bureau 's that I XXXX XXXX owe this company {$570.00} I have attempted to dispute this charge with credit bureaus cause i have no knowledge of this account or where it even came from. The Original Creditor Name to my knowledge according to the Credit Bureau is listed as XXXX XXXX XXXX. I have not been to any Emergency Room sinceXX/XX/XXXX. With the exception of a hand injury at work in which was a work mans comp situation and I was treated at XXXX XXXX XXXX not an Emergency Room. So I am disputing this charge cause this charge was not from me, and I ask DEBT RECOVERY SOLUTIONS to remove these charges from all 3 Credit Bureaus and properly investigate this issue.
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious  consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2017, $XXXX was transferred from my checking account with Wells Fargo without my authorization. The bank refuses to take responsibility for the unauthorized transaction and concluded that an investigation was not necessary. I have tried to resolve this with Wells Fargo, but have not been able to get anywhere with them.