WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Iwas attending the University XXXX and later stopped attending do to medical reasons. I then returned and recieved my XXXX. I was never given a fair chance to pay back my loan due to the high intrest rates that were not discussed with me upon accepting the loan. I later deffered them and they continued to grow interest. I was forced to go back to school so that I wouldnt gain more fees. Those fees and student loans from over 6 years ago are hurting me financially and the attempt to get a house for my family and I.
FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.
i dispute over the phone with TransUnion on XX/XX/XXXX, on XX/XX/XXXX i call transunion at XXXX they had me in the phone for more then one hour giving me the run around, i spoke to XXXX   the XXXX asking them for Results on my Dispute, why not i received a new results by mail and i also ask for method verification and they told me that they do not do investigate any account for Inaccurate information on multiple account ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account XXXX XXXX ), XXXX XXXX XXXX, Account XXXX XXXX ) also i had a public Notary Double check every account and sign that what I'm stating is correct on my end and that TransUnion is not properly doing that correct investigation.TransUnion said that the account was verified and updated when i received results stating that these items have been verified when i can clearly see inaccuracies littered all over the place on my credit report! how were these items verified? I am sending proof that you are reporting accounts wrong and they clearly need to be DELETED I also need to see whatever PROOF you have that these were even investigated and that, They were subsequently verified. I also would like a new credit report. 

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 dont 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 accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
This is a new complaint. In the after math of successfully completing a mortgage modification from bank of america stemming from the XXXX 2014 settlement with the Department of Justice, boa voluntarily withdrew the suit filed against me. 
My mortgage statements show or state that I owe a total of {$370.00} in litigation and or litigation management fees. I sent my attorney the mortgage statements that showed this information. My attorney has contacted the law firm, listed on the former suit, a few times asking for proof that these fees can be charged to me and as of this writing no response has been given. 
All the information in the transaction activity of my mortgage statement is concerning to me. I see and understand the transactions concerning the modification but I do n't understand the following fees even though they show that they are paid ( I 'm guessing from the modification terms ) - they are : unapplied funds reversal XXXX ( which I assume went to pay for these successive itemized charges ) Attorney/Trustee fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX separate entries for property inspections at {$15.00} each = XXXXTitle Fee XXXX '' '' XXXXCourt Filing Fee XXXXMailing Fee XXXXRecording Fee XXXXLitigation Management Fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX '' '' XXXXProcess Server XXXXWaive/Adj LateChg XXXX '' '' XXXXUnapplied Funds Posted XXXXUnapplied Funds Reversal -XXXXPayment Posted XXXXI don '' t understand how my account can be charged for any monies/charges stemming from the suit boa filed. boa voluntarily withdrew the suit therefore the court did not state which party was liable for legal fees and for which fees or the total amount the party would be responsible for paying. My attorney and I can not find any wording in the modification that states these fees can be charged and or acceptable fees I have to pay. 
If the XXXX unapplied funds reversal went to pay for above stated paid fees from monies forgiven in the modification then I believe that money should either go toward the mortgage principle amount or returned to the settlement pool from which it came from. 
bank of america 's legal fees should not be paid by me or the mortgage modification forgiveness monies. If they believe they should be reimbursed for any legal fees they should have not withdrawn their suit or file a suit to decide who is responsible for those fees. 
This last bit is more for preemptive measures versus an additional complaint. I am reading many complaints from successful mortgage modification homeowners that two to six months into the permanent mort. mod that boa is claiming missing documents from these homeowners and voiding the mot. mods. I feel this is very worthy of applicable agencies investigation ( s ). I will certainly file various complaints if this does occur with my permanent modification.
Specialist Loan Servicing is doing eveything in their power to deny my loan for any assistance. I have reapplied numerous times however, they keep using less income then what I summited in my application for mortgage assistance. I have appealed and have provided proof of my income but SLS is refusing to use my whole income, making me look like I can not afford my house. I am tired of the excuses they are giving me when I have provided my bank statements for proof that I received direct deposit from my job and also I am collecting rent. I have provided SLS the rental lease as well, I honestly do not know what SLS intentions are at this point. I have tried to work directly with them but once agin this issue is not been resolve. I am falling more behind because SLS is prolonging purposly my loan so, it will me more hard to be approve for any government modification. I have a surplus of {$300.00} left after covering all expenses, inculding mortgage payment. SLS want to floreclose my property by making me fall more behind. I am running out of options and it is really upsetting that even with proof I have provided, SLS does not want to offer me a modification. My home is under water and I want to be provided an affordable mortgage payment, so I can get back on track and save my house.
I had gotten a loan in XXXX, pd mort. Then our Mort. went up so deleted pmnt of {$400.00} to {$410.00}. They did n't send out XXXX pmnts XXXX or XXXX. In XXXX, they took both the {$400.00} and the {$410.00}! My bank manager helped me delete the XXXX. pmnt until Chase put $ $ back in acct. I did n't know I had to restart pmnts and no pmnt went out for XXXX. Now I am behind on Mort by 1 month and they r threatening us with foreclosure when we already have sent the pmnt agreed upon which was {$50.00} extra/mo. We sent {$460.00} in XXXX and XXXX. We r working to get this taken care of. We r not in good health as it is and this is causing more health probs from stress. I was getting calls from XXXX to XXXX at night, XXXX times a day. I think that is stopping but now sending pre-forclosure papers. This is utterly ridiculous!
XXXX XXXX FROM ORACLE GROUP CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND XXXX WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to Transunion, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.
I have been experiencing a tremendous amount of identity fraud/debt over the past year. Every other month Im getting a random debt collection for a charge off amount on a credit line that was opened within the past 6 or so months that I obviously have no knowledge of. This most recent debt just showed up on my credit this past weekend but was opened up in XXXX of 2017. For amount of {$910.00} for a XXXX XXXX XXXX card. Debt collection company is XXXX XXXX XXXX XXXX XXXX, CA XXXX
I filed bankruptcy on XXXX/XXXX/15 all while I was in bankruptcy I made all payments like normal and I also signed an affirmation to affirm on my mortgage so that I could keep my house. well recently here went to go shop for and automobile found out that my score was really low. got home that afternoon and check my credit report and found that my mortgage co. Pacific union financial has not been reporting my payments on my credit report. which has dropped score. I have made all my payments on time. and now its time for another payment, I 'm thinking twice about making payments until they correct this error on my bureau. and Pryor to filing bankruptcy I refinanced my loan with the same company, Pacific Union financial and they are showing that account in bankruptcy as well but should be showing paid in full. can someone here please help me with this situation. 
Thank in advance XXXX XXXX XXXX XXXX. 

being made on time.
i left my card at a grocery store.the store threw it away or someone pick it up and threw it away .i reported to citi bank card abt the loss and to receive a new card.they refuse to send me the paper for the card/they lied they were sending the form.it been 3 weeks since I first ask.then 4 days ago another customer service said she be sending me the form for a new card..i said NO.they lied to me to begin with..they been sending me text to an old phone NOT my phone now.even tho I told them I have only ONE cell phone.they refuse to send the text to my phone.they refuse to close my account.
Capital One received a {$1500.00} direct expedited electronic payment from me on XXXX/XXXX/2015 and immediately placed a fraud hold on my account, I called in when my newly paid off card was declined. From here a 2 day nightmare began where they forced me to conference call every financial institution I have done business with in the past and currently including banks I have never made payments to C1 from. They threatened me with legal action, accused me of criminal acts and withheld my funds. They forced me to provide them with private account numbers and details that do not in anyway pertain to them or my account. As I had just put such a large amount of money towards that account I felt I had no option but to submit and do what I was told. As soon as I provided them with a piece of information or called a bank lwith them and listened to them tell my financial institutions I am suspected of fraudulent activity they would disconnect the call and I was forced to begin the entire process again while I listened to the other agents laughing in the background. As a result of this pointless investigation I have had to deal with fraud holds and account closings caused by their inquiries. worst of all this is not the first time ... C1 is constantly witholding my funds, contacting my other institutions without my permission and with no logical reason ... Im not even sure how they know I do business with the others. They have closed my account twice without reason and reopened it leaving several duplicate accounts on my credit report dragging my score down to XXXX they dont report my payments, they report late payments that were not late and they have generally tortured me endlessly.
I received a home equity loan from Bank of Albuquerque 8 years ago. Payments were made for seven years, XXXX. I called the bank for forebearance, they offered half a month. I had no income, and they started foreclosing on me in three months, the amount they were owed was around {$650.00}. 

I am losing my home over principal and interest due of under {$3000.00}. I have no idea what is being charged for legal fees. I have approximately {$9000.00} that I earned in the last few weeks, the balance was {$15000.00}. The auction sale is XXXX XXXX! 

What really bothers me is that I had a 7.5 % interest rate. I closed my bank account with them over unfair overcharges. They increased the interest rate to 8 %. Prime rate was under 4 % at the time and I had a FICO score of XXXX. They lost a class action settlement suit over the issue. They called and said if I opened an account again, they would pay me {$70.00} for their wrongdoing and modify the home equity loan to 4.5 %. After going through the process of opening an account and applying for another XXXX THEY DID NEITHER OF THOSE. MY LOAN WOULD HAVE BEEN ALMOST PAID OFF by last year at the promised interest rate. 

Bank of Albuquerque has, again, imposed unfair and unauthorized charges on my business and personal accounts. This happened after contacting them about loan fore bearance. I specifically opened those accounts with their stating that there would NOT BE ANY AUTOMATIC WITHDRAWALS.
BMW Financial Services continues to report my account information inaccurately. They have fixed some issues which I appreciate, however, my account XXXX became delinquent in XXXX 2009, I made payments afterwards but it was never brought current. Therefore the date of first delinquency is XXXX 2009, they show XXXX 2009, XXXX 2009, and XXXX 2009 as current. This is in accurate, they were still at least 30days past due and therefore not current. Please update XXXX 2009 as date of XXXX delinquency, and XXXX, XXXX, XXXX of 2009 as 30 days past due. Thank You
On XX/XX/XXXX and XX/XX/XXXX a debt collection agency by the name of " CREDIT PROTECTION '' has reported on my credit in collections that I owe two amounts to the original creditor " XXXX XXXX XXXX XXXX ''. The amount balance for the XX/XX/XXXX is {$180.00} and the amount balance for the XX/XX/XXXX is {$89.00}. I have attempted to contact the collection agency to remove these inaccurate accurate accounts from all 3 credit reporting agencies and I have not received any response. Please advise that I do not owe this and this is not my debt. They do not meet FCRA guidelines and I have gotten calls and voicemails during work hours when I am on the national do not call list. This is illegal.
On XXXX XXXX XXXX I made my usual payment at statement close via BBVA 's online account access. I paid with my saved checking account on file that I have used without issue many times in the past. 
On XXXX XXXX XXXX I received my paper statement in the mail and saw that my payment that I made was reversed without my knowledge on XXXX XXXX XXXX and I was being charged interest on the amount due On XXXX XXXX XXXX I called BBVA to figure out what happened. It was discovered that the payment made, for whatever reason, had the last 2 digits of my checking account number missing so they said they were unable to make the payment. When I made my payment, I did not manually enter in any numbers, I simply selected the saved checking account on file that I have always used without issue. It is abundantly clear that there was some issue on their end that corrupted my checking acct info and made my payment not process in their system. However, phone support absolutely refused to accept this reality and they fought me on it over the phone for half an hour. 
I expect BBVA to refund all finance charges and late fees immediately Thank you for your assistance
In my recent review of my credit report for XXXX/XXXX/16, I notice Alliance Collection service reporting account to XXXX reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Alliance Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$50.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated XXXX XXXX. I am able to send the documents as proof.
On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XXXX of 2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XXXX of 2018 a credit limit was granted, in XXXX of 2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
This is a illegal bill this bill is not owed do to findings of the court and they didnt notify me until a year after they put a debt on my credit that is not verfyied as true and correct the court didnt give them premission to collect on this debt after the proceedings and this is effecting me by not able to get a loan i want this company to remove this debt from my report and stop contacting me i will sue this company if they continue to collect a debt that isnt correct i have proof this is no longer a debt that is owed from me this isnt my debt and it needs to be removed from all my credit reports
The attorney placed a lien against me in error. They acknowledged that they did this in error after assuming that I was married to the other party involved that they could legally attach the lien to. They told me via telephone and email that even though the debit is not valid, instead of paying them {$2000.00} for the debt I do not owe, I would need to " voluntarily '' give them {$2000.00} for them to remove the lien that they placed against me in error. They also advised me to contact a title company with full knowledge that they were the ones who placed the lien and the title company had nothing to do with it. All of their phone calls are recording per their automated system, so they should be able to verify this information as well.
I pulled my free annual credit report and saw an account on Experian I did not recognize called XXXX XXXX XXXXXXXX XXXX acct # XXXX opened in XX/XX/XXXX. I opened a dispute and the company maintained I owe this outstanding balance of {$960.00}. I contacted the company XXXX to find out what this about and they were very vague with their explanations and suggested that I dispute this through the credit bureau if I believe the date is incorrect. I opened a second dispute and just received word that the company is holding fast that this account belongs to me. In desperation I contacted the credit company this morning and it was while we were conversing that the agent on the phone call me Ms. XXXX? I asked her why did she call me that being that before anything could be discussed, I was asked for my name, address, and social security number. The agent then asked me again for my full name again and I reiterated XXXX XXXX. She asked me if I was ever known by XXXX and I said no. I asked again that they correct this error and was told I have to dispute it through Experian.