WillisBack/dataset-financial-user-claim huggingface dataset:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
On XXXX XXXX, XXXX, I received a credit alert. Upon checking, Midwest Recovery Systems added a collection to all XXXX credit bureaus with an open date of XXXX XXXX, XXXX. The collection is listed as XXXX XXXX XXXX in the amount of XXXX. 

I havent received any dunning notice or any debt validation regarding this debt. This company has not attempted to contact me. Instead, they place the collection on my credit report thus affecting my XXXX XXXX.
My name is XXXX XXXX I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. 

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 in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts 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 each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.
Key Bank Mortgage Loan Servicing XXXX XXXX XXXX, XXXX Ohio Summary : The mortgage payment is due on the first of the month but must be received by the XX/XX/XXXX of the month. I have submitted every mortgage payment in a timely manner. I submit all payments by electronic check. Keybank receives the checks 4-6 days after the check is sent. By the XX/XX/XXXX or the XX/XX/XXXX of the month as documented by the bank I send the electronic checks from. Keybank is taking 10-14 days to process the check once received by them. They are then charging a late fee. I have called them. They said that is not possible to take that long to process a check. I sent the proof to them. They did not respond. This is now the second time this has happened. The check was received XX/XX/XXXX. Key Bank then issues a late fee. When I spoke with them, they said, " why don't you just do " Auto-Pay ''
I initiated a wire transfer of {$10000.00} USD from my bank, XXXX XXXX XXXX XXXX, to CoinBase Inc. I confirmed with their bank that they have in fact received my funds. However, it is has been 2 days and I still do not have the funds in my account. I have tried emailing them 3 times and they do not respond. I continue to only get bot responses that are irrelevant to my issue. I am concerned I will never see the money. A business that manages money transfers and trades should never treat their customers like this.
I have a conventional mortgage with Ditech Financial, LLC located in XXXX XXXX, SD. Up until the summer of XXXX, it was a P & I loan only, with no escrows. I always paid my taxes and home owners insurance outside of the mortgage. In XXXX of XXXX, I entered into a Chapter XXXX bankruptcy. In XXXX of XXXX, Ditech arbitrarily raised my mortgage payment from {$1300.00} to {$1600.00} for purposes of collecting funds for escrow purposes. As I always paid my own taxes, I did not actually think this applied or perhaps was an error, and kept sending them my regular {$1300.00} payment. 

In XX/XX/XXXX, I got a letter from Ditech stating I was delinquent on monies owed them, and that I needed to send them just over {$8000.00}. This was about five days before XXXX! They had also turned the case over to National Bankruptcy Services who seemed to act as some third party agent for Ditech. For the most part, they would not share any information about what this matter was really all about. After several calls to them, I was able to learn that it all had to do with the extra money that Ditech was assuming to collect from me back in XX/XX/XXXX. A person there did admit it looked as though an error had been made on Ditech 's part and that they really didn't need any escrow money. 

I also contacted my county tax office and had them send me a copy of my paid bill with a check number showing that I had, in fact, paid the tax bill myself for XXXX. I sent a copy of this notice and a letter via certified mail to Ditech, the bankruptcy services company and a collection agency that had now also become involved. 

This week, I received a packet in the mail from Ditech showing some kind of payment history for me, which concluded with a letter stating I still owed them over {$7000.00}. Once again, I called Ditech and spoke with a girl there, and after an hour long conversation, she admitted that two payments made by Ditech for my taxes in XXXX had been reversed. Her only explanation given to me as to why Ditech still seemed to think I still owed them money was because I had not paid my taxes by the initial due date and that the taxing authority had notified Ditech of this. As a result, they again looked for escrow funds to cover the tax bill, even though I did end up paying it in full with my money. She said there was nothing she could do about the owed balance of {$7000.00}! 

So essentially, the bottom line of this story seems to be that Ditech is looking to collect money from me for tax bills they never paid. Unless, of course, the tax office simply took my money and Ditech 's and kept their mouth shut. Highly unlikely. As it is impossible to get through to anyone at Ditech who can truly understand this dilemma and think outside the box a little, I am protesting their claim for further payment. My position is, and always has been, that all I ever owed this company was my P & I mortgage payment, until I voluntarily added in extra money for tax escrow last summer.
So, I am one of the millions affected by the Equifax credit reporting breach that occurred in XX/XX/XXXX and XX/XX/XXXX. I tried to start a Credit Freeze with all three credit reporting agencies and found that since XXXX and XXXX did not have a breach I need to pay {$10.00} to each for a Credit Freeze. I believe this should be free to consumers where a company is making money on our data when one of the three in the monopolistic industry has a breach. The alternative is to have the company experiencing the breach to pay for all of the freezes, the latter alternative is my suggestion. 

Once I was able to enact a Credit Report Freeze on Equifax, it has taken me from XX/XX/XXXX, to XX/XX/XXXX to put a temporary lift on that freeze using the Equifax  website. There are no CUSTOMER SERVICE NUMBERS clearly visible, I have tried every number on their site to speak to a representative. It is impossible to do business with this company when they maintain all of my information.
Barclays Bank has blocked access to my savings account with over {$40000.00} in cash deposited.
Merchant Credit Association Collection Agency was assigned my charged off debt amount {$36000.00} on XX/XX/2011. Since Merchant Credit did not own the charged off debt amount, they had to work XXXX XXXX XXXX to report false monthly growing debt amounts to the credit bureaus for over 6 years!! I did not find out about their illegal credit reporting until I requested my credit reports from the credit bureaus. Here is what I found & tried to disputed them and have the incorrect debt accounts deleted immediately. 

1 ) I do not have a written contract with Merchant Credit Collection Agency, nor did I promised to pay them and, I never sent them any payments. 

2 ) Merchant Credit Collection never sued me and won a court ordered Judgment against me. 

3 ) Merchant Credit Collection along with XXXX XXXX XXXX secretly and willingly charge my charged off debt account/s 12 % compound annual interest rates for over 6 years even now. When they knew XXXX XXXX XXXX had a written contract with me for 6.49 % annual interest rate. 

4 ) Merchant Credit Collection never bother to send me any monthly billing statements over the years and even now, but they see fit to charge and falsely report monthly growing debt amounts information on me for years and now too. ( Truth In Lending Act ) 5 ) While I started my credit bureaus, creditor and Merchant Credit disputes, my credit scores mysteriously took a sharp dive from XXXX to XXXX. I guess to retaliate against me for requesting written proof of the higher debt amount/s. 

6 ) Merchant Credit Collection was only reported on XXXX credit bureau, and the charged off debt was and still growing every month for years. 

*** Time barred debt.
I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.
To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : Name of Company Date of Inquiry Type of Business XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XX/XX/2016 XXXX
My loans were placed into deferment without my approval or knowledge. I logged into my loan servicing site, Navient, to make my normal payments for the month of XXXX and discovered that all of my loans both private and federal had been placed into deferment. I never received any communication or request for approval for this to happen. I called Navient to try and resolve the issue, requesting that all of my loans be taken out of deferment and returned to the normal payment schedule I was previously on. My concern was, since the loans were placed into deferment, interest would begin to accrue and further more be capitalized into my principal. I made it clear in my initial call that I wanted the loans out of deferment, and to return to my normal payment schedule specifically to avoid any interest being capitalized. I was informed that my loans were removed from deferment and that I would be able to make my normal monthly payment for XXXX. I then proceeded to make my normal payments as I had done previously. 

Then in XXXX, when I logged back into my account to make my payment for that month, not only did I notice that I had not been returned to my normal payment schedule, Navient had also capitalized approximately {$100.00} worth of interest, despite me having made my normal payment for XXXX. I called again to have this straightened out explaining that I was to be returned to my normal pay schedule for XXXX and that the payment I made should be applied normally to avoid any interest capitalizing. I was told that nothing could be changed because the payment cycle had ended. When I inquired as to why my loans had been placed into deferment in the first place without my knowledge I was told that this was a federal requirement. This seemed suspect to me, especially since neither myself nor my cosigner received any notification. I again requested Navient return me back to my normal pay schedule for the month of XXXX. After speaking with both a representative and a manager, I was assured that I had been returned to my normal schedule. To date, my payment is due on XXXX XXXX and my account still does not reflect my normal payment schedule as requested. Additionally, none of the capitalized interest has been removed despite having continued to make my normal monthly payments. As a result, my monthly payments due has now increased because of the capitalized interest.
All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX  ) inquiry was made on XX/XX/XXXX ( XXXX ) 4 inquiries from XXXX card alone! 

XXXX/XXXX  XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( Transunion ) XXXX  - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
My card was stolen from my mailbox and used to make purchases. The bank denies the claims and is offering no help. I need my money to pay my mortgage and car!
I have the XXXX card with the higher {$99.00} annual fee. I used my card on XX/XX/XXXX on a XXXX flight and have not received the 50 % and bonus points for in flight purchases.
on XX/XX/2014 XXXX Placed an inquiry on my credit report .it was an false inquiry. on XX/XX/2014 XXXX sent me a letter to send to the credit bereau's 
XXXX and XXXX removed the inquiry, but to this day equifax still will not remove it affecting my credit.also there are some other inquiry that should not be on the equifax report also.
A collection account mysteriously appeared on my credit report in the amount of {$2400.00}, after I filed a claim with the CFPB about a collections account from the same credit reporter that again was not attributable to me. This looks to be retaliation for using my rights in filing a CFPB complaint against the collection agency in question.
I have ongoing disputes that are preventing me from closing this account and they continuingly charging me monthly account fees, plus regardless of what they say if I lose the dispute I am not getting the dispute loss letter in the mail via the Postal Service and when they debit the account I am on aware but all of a sudden I get this email that I owe them fees because of it being overdrawn .. : However I never got the letter they put me no the accounts going to be debited I want to close the XXXX things PNC is the worst bank I ever dealt with, whos a customer for almost 20 years and Im out because the nonsense like this, I have no problems covering the funds that I owe XXXX for any dispute I lost however I am not paying monthly account fees nor am I paying any kind of overdraft fees because I am not using the account
I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.
Nationstar Mortgage They took over our loan in 2015. Immediately started calling and saying we were late on our payments. At this point they are reporting that we are 3 months behind but we have proof of payments. They sent us to research department, but could only contact through uploading documents. They said that their research is correct and we are late. They keep offering ( through letters ) to do a loan reset. When we actually talk to someone they deny it. They keep offering to assist us to get our loan up to date, but deny all options. They keep sending us letters of foreclosure.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED ** ( XXXX Inquiry XX/XX/XXXX ) XXXX Inquiry XX/XX/XXXX
ATTN : EXPERIAN The FCRA provides that you must inform me as a consumer about negative information that you are about to place on my credit report within 30 days. I have recently received my credit report from Experian, and I am greatly bothered that you have placed several erroneous negative personal information that is being illegally displayed on my personal credit report without the required courtesy of informing me first as provided by law AS I HAVE DISPUTED THE INACCURATE PERSONAL INFORMATION WITH EXPERIAN, YET EXPERIAN IS CONTINUING TO DISPLAY THE FOLLOWING INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS INACCURATE ADDRESSING INFORMATION IS CONTINUING TO BE ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? 
I AM NOW DEMANDING THAT EXPERIAN, PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH EXPERIAN HAS BEEN PROVIDED IN REGARDS TO THESE INACCURATE ADDRESS. 

I HAVE NEVER RESIDED AT THESE INACCURATE ADDRESS, SO WHY ARE THEY BEING ASSOCIATED WITH MY PERSONAL CREDIT REPORT? 

INACCUARTE TELEPHONE NUMBERS : XXXX- CELLULAR I HAVE NEVER USED THIS INACCURATE TELEPHONE NUMBER! AND I WOULD LIKE TO KNOW WHY IT IS BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT. 
AT THIS TIME I DO NOT HAVE A TELEPHONE, PLEASE REMOVE THIS INACCURATE TELEPHONE INFORMATION AS SOON AS POSSIBLE. 

INACCURATE EMPLOYMENT INFORMATION BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX XXXX THIS IS INACCURATE PLEASE REMOVE THIS INACCURATE EMPLOYMENT INFORMATION. 

MY EMPLOYMENT INFORMATION SHOULD REFLECT AS FOLLOWS : XXXX