WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.
Last year I noticed an account on my credit report that should not have been there from XXXX.I never received any bills in the mail that I owed them any money.I never received a phone call regarding an outstanding balance.The balance was just reporting on my credit report which violates the FCRA laws put in place by the FTC to protect consumers from frivolous debt.I contacted the company and they refused to update the information.I filed a dispute with Experian and experian responded back that the debt was validated yet refused to show me how it was validated and what information they relied on to validate the debt itself.This is in violation of the FCRA as well.Both Experian and XXXX are now making it impossible for me to get qualified for a mortgage as I was told by my mortgage counselor I would have to pay the erroneous debt.This is debt that I am not legally responsible for.I financed an insurance policy with XXXX and then decided to cancel after 6 months as I switched the vehicle to a commercial use vehicle and it required different insurance.XXXX received each monthly payment from me.At the time of the cancellation of the policy, XXXX failed to recalculate the interest that was charged to my account.This resulted in them showing I owed a balance.I am not responsible for interest charged but not used.I cancelled the policy before year end.When the policy started, I was charged interest for a FULL YEAR on the loan.I did not finance the policy for a whole year so I should not be responsible for the interest.Not only is XXXX and Experian ruining my credit, but they are also charging me for something I do not owe. That is THEFT and ILLEGAL.
I had an account balance of {$56.00} on my XXXX XXXX credit card in XX/XX/2018. I tried to pay it in full but the payment was " reversed '' that month. The following month, I paid {$57.00} and thought my account was paid in full ( including any interest ). I didn't realize that XXXX XXXX had charged me {$27.00} in late fees at that time. XXXX 's then proceeded to charge me ( i ) late fees of {$27.00} and interest charges of {$2.00} in XXXX ; ( ii ) late fees of {$38.00} and interest charges of {$2.00} in XXXX ; ( iii ) late fees of {$38.00} and " interest charges on purchases '' of {$2.00} in XXXX ; and ( iv ) late fees of {$38.00} and " interest charges on purchases '' of {$3.00} in XXXX. My account balance is {$180.00}. I have electronic billing and did not realize this balance was accumulating until I received a letter in the mail recently. 

I called XXXXXXXX XXXX to request removing this large sum of late fees, especially considering I had already paid of my balance -- each fee itself is high and seemingly untethered to any balance. I spoke with three different people in customer services, collections, and escalation, and the most I was offered was waiver of the last two late fees, totaling {$76.00}. I requested that waiver and asked if there is anyone else I may speak with because the fees seem unreasonable and punitive simply for failure to pay the initial late fees. I was told I can speak to whomever but the most the system allows is for someone to waive two late fees. 

I am retired and unable to afford this. I don't believe it's reasonable for an institution to stack late fees upon late fees with no apparent cap, and totaling in nearly {$200.00}. I was even told that if I don't pay the balance by XX/XX/XXXX, XXXX XXXX will charge another {$38.00} in late fees. I would really appreciate your help in sorting this out because I simply can not afford these crushing and unfair fees. I also note that my account still does not reflect that any of the fees have been waived, as promised.
Late payments show that company denied payment was late. But show on credit report twice. Public record was off my report for a year, then all of a sudden it appears. Shouldnt be on reports. I have paid off many loans, car loans that proves credit history, that I have not seen since the XX/XX/XXXX. Lots of positive activity has been taken off.Why is this being done? Inquires that I didnt request, is on my report, please remove.
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account
I was contacted by a mortgage broker that works for the company where I got a mortgage original mortgage approximately 20months ago. He asked if I was interested in refinancing to lower my payment. I told him that I really had n't thought about it because it had n't even been 24 months since my original loan. He asked if I wanted him to run the numbers and get back to me if it seemed possible. I told him that would be ok but I was n't signing anything. A couple days later I was alerted by XXXX that my credit had been run by this person. I never gave him permission to do that and when I confronted him regarding this, his reply was, well how else would I run the numbers. He said he pulled my file from the company database. I 'll repeat myself, I never gave him my social security number and I never gave him permission to run my credit and I am extremely upset about this!
I had to obtain private student loans throughout my college career so I could obtain my bachelors. Without the loans I would not have been able to complete by degree. I am very thankful I was able to stay in school however at this point in my life, I am not able to afford my full payment and Wells Fargo will not give me any alternative payment options. I have tried to consolidate my loans and have been denied and I am not eligible for a review of my loans because of my cosigners incomes. My parents cosigned my loans however will not help in repayment. I have a daughter now that is XXXX and I am a single mother so making these payments is impossible. I would love to repay them, but I just ca n't afford what they want per month.
I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued.
I got injured on the job in 2012 and went to the XXXX and had health insurance under worker 's compensation. Everything was covered by my plan however, now I am seeing on my credit report, that they are charging me and my wife {$1000.00} for a debt that was paid for.
I got sued for a medical bill for my XXXX husband. The collection agency won a judgment against me. The original bill was {$150.00} and now with court costs, atty fees, and other charges it is now close to {$700.00}. I did n't have the {$150.00} to begin with and sure do n't have the {$700.00} now. The collection agency has now violated the fair debt collection practices act by knowingly seizing my social security funds out of my bank account, which I know that these social security funds are exempt.
XXXX, a collection agency, reported today that I have a balance to XXXX XXXX of {$160.00} and {$80.00} through Transunion and XXXX, respectively. They reported identical information XXXX to Transunion, resulting to a total balance of {$160.00}. I do n't know how they made the report to XXXX. I do n't have access to XXXX considering they are not included in XXXX XXXX reports. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment, in which my husband faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by XXXX Bank then was transferred to JH Portfolio Debt Equities.
I have 6 inquiries on my credit report I need them disputed i did not authorize these inquiries and it's making my credit look bad
American Express needs to delete, remove and block this fraudulent account on my XXXX credit report. I did not open this account. Someone used my name without my consent. I will contacted the consumer attorney as well as writing my Attorney General Office regarding American Express reporting a fraudulent account on my credit report.
collection/ charge off from the state of XXXX XXXX account went delinquent in XX/XX/XXXX with the state of XXXX. made payment arrangements but never regained current. XX/XX/XXXX account transfered to state of XXXX and refuse to remove and correct the origional delinquency date of XX/XX/XXXX and origional creditor.
XX/XX/2015This complaint is in regards toCitizens Bank N.A. ( Citizens One Auto Finance ) XXXX, XXXXI submitted a payment to pay off my loan on Citizens Bank - web pay on XXXX/XXXX/2015. The payment was withdrawn from my checking account on XXXX/XXXX/2015 for {$17000.00}. I spoke with Citizens Bank on XXXX/XXXX/2015 who told me the payment processed and the title was mailed. I received the title and a letter stating the account was paid in full. On a side note, the reason I called on XXXX/XXXX/2015 was to ask why they attempted to withdraw the amount ( {$17000.00} ) again on XX/XX/XXXX and XX/XX/XXXX resulting in two insufficient fund fees ( {$32.00} each transaction ) from my personal bank. These fees were reversed by my bank on XXXX/XXXX/2015 once they realized that the original payment went through, and the latter two attempts much have been a mistake. 
I received a call a few days ago from Citizens Bank N.A. stating that I was delinquent with my monthly payment, and the money withdrawn from my account on XXXX/XXXX/2015 was reversed because I submitted the final payment online. I was not aware I could not do this. Citizens Bank N.A. is telling me that the payment was reversed and redeposited into my checking account. However, the money was not returned to my account. I have a bank statement showing that the amount was withdrawn and not redeposited. I was also told the title sent to me is null and void. 
I think this is poor business practice and terrible customer service. I feel this is a breach of contract. If I could not pay the loan off online, this information should have been provided to me when I called for the payoff. Each time I call they can never find the notes from my previous calls. This is very frustrating and {$17000.00} is a lot of money.
A subpoena was issued against my personal banking information on XX/XX/XXXX.

I was not served the subpoena and Wells Fargo did not notify me of the action being taken on my personal bank account.

The legal matter in which the subpoena was a part of is a case that does not involve me or my personal property.

I am neither the plaintiff nor defendant, I am a non-party.

Wells Fargo released my information to the plaintiffs without notifying me of this action.

I did not know of the filed subpoena or the execution of the subpoena by Wells Fargo.

The information disclosed caused the plaintiffs to submit a second subpoena on XX/XX/XXXX which Wells Fargo once again did not notify me about.

I was able to file a Motion to Quash the subpoena due to notice given by a party other than Wells Fargo.

A third subpoena has just been filed on XX/XX/XXXXand once again Wells Fargo has done nothing to notify me of the potential action on my account.

I have brought this issue to the attention of Wells Fargo legal.

XXXX XXXX, a paralegal within Wells Fargo 's legal order processing department responded to my grievance on XX/XX/XXXX by written letter assuring me that there was a courtesy notice sent to me for the XX/XX/XXXX subpoena and that the liability of service falls on the attorney who filed the subpoena, not the financial institution.

I responded by stating that a courtesy notice supposedly sent by Wells Fargo was never received by mail, email, or phone call for 3 separate filed subpoenas and that I need a copy of the said " courtesy notice '' to evidence their action or else Wells Fargo admits liability.

The information released by Wells Fargo has allowed the plaintiffs to harass me through further subpoenas that cite specific information that should not have been released by Wells Fargo in the initial subpoena.
M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.
After looking over my credit report i have found a few items that are being reported inaccurately by Experian and request that they comply as i look to have an accurate updated credit report reporting only accurate information.
Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.
I wrote a certified letter to I C system asking them to validate the debt with an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original contract in question. I haven't had XXXX XXXX in the past 10 years. This company is engaging in re aging debt that has been lawfully removed from my credit due to statutes of limitation. The letter was returned to sender.
Unauthorized multiple credit inquiry placed on credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
CAS STORE ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

CASH STORE SOLD THE DEBT TO XXXX XXXX XXXX IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 
ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
Specialized Loan Servicing has a 3rd Party Vendor who will not answer their phones. The bank has not called me back or answered their phones since the appraiser was at the property. The appraisal was completed on XX/XX/2017, but I have no idea of what the value came back as. I was told to sent a written request for information and was provided a fax #. I have now received written response from SLS stating that I now have to submit it in writing and not by Fax. The miscommunication and lack of communication is unacceptable and the delays should not be tolerated. The appraisal will expire soon and then the bank will need to provide a new one. This is a waste of time and resources and in acceptable
I got a rent to own with a dryer and the company could not deliver it to my house. It has been a month and half and I still have n't received a refund for the cancellation of the lease of the product. The store closdd but the leasing company kept asking for more requirements and more and all we 're met. They have the return info to the store and keep giving me the run around for the refund and final cancellation.
I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments
Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. 

I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. 

The 5 Year Mark was XX/XX/XXXX. 
80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.
We submitted an offer of XXXX in XXXX 2015. After review, the loss mit specialist assigned, XXXX XXXX, advised that the net to investor had to be XXXX. The HUD was adjusted to accommodate this request and submitted to Lenderlive XXXX/XXXX/15. We were told the appraisal would expire and had to close by XXXX/XXXX/15, which we agreed to. We called, emailed, and tried to follow up through XXXX/XXXX/15 with no response. When we spoke to XXXX XXXX in mid XXXX she advised that XXXX was no longer the contact for this file. She said the file would be submitted to the investor for review and requested the appraisal expiration date be extended. Around XXXX XXXX we received a denial letter stating the net proceed to the investor should be {$190000.00}. We were told the appraised value according to the VA was XXXX. The XXXX have never received a copy of this appraisal, though requested. The investor is asking for a net amount more the the value of the property and more than the XXXX that we were told was the net amount the VA required based on the XXXX value.
Positive credit account not reporting for XXXX XXXX XXXX XXXX Loan Paid off. 
As shown in my " CREDIT Alerts '' section of my report on XX/XX/2017. 
Loan Account was paid off But it is not being reported in my report.
I realized that I was induced into a fraudulent agreement on my auto loan with USAA bank and XXXX XXXX XXXX ( XXXX XXXX XXXX ) The companies failed to disclose to me key contractual information, namely that they never, gave me money/legal tender at any point. They also failed to disclose to me that my signature fully monetized the note, which they were paid the XXXX dollars they claim I owe them, then they induced me into making payments on a fraudulent agreement, which I got nothing of value in return. USAA misrepresented the banks ability to lend me money. They worked hand in hand wit h the car dealership know as XXXX XXXX XXXX aka XXXX XXXX  XXXX. I want the title to my property being a XXXX  XXXX XXXX, and all payments, and late payments made under UCC 2-720 and UCC 2-721. Additionally I never autherized USAA or XXXX XXXX  XXXX to use my business name XXXX XXXX, I'm the only authorized user of the name XXXX XXXX. Please notify XXXX XXXX of USAA and XXXX XXXX  XXXX of XXXX XXXX triplex to return my property, and pay me my money back today.