WillisBack/dataset-financial-user-claim huggingface dataset:
I received a credit monitoring alert that a new address was added to my TransUnion credit report. When I checked my credit report, TransUnion is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
1 ). I have a duplicate account on my experian credit report that I have disputed more than three times just to get ( Outcome Updated ) as the result. Please help me get this inaccurate information removed from my credit report.

2 ). I have an aged 7 year old closed account that I disputed to have remove but experian will not remove the account. When I dispute this item the result come back as ( Outcome Remains ) Please help me get this aged closed account removed from my credit report.

3 ). I am sending over supporting documents to prove my case.

Thanks
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by RMG creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

RMG, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
I keep getting repeated calls from  XXXX . When I tried to return the call, I could not understand the person who answered. I believe these people calling are trying to rip people off.
I received a letter on my front door from a company who claims they a second lien on my house. I am unaware of this company and need to know if they are legit. When i first purchase my home i had two mortgages but later to my understanding i refinanced and combined the debt. This company by the name of Dyck Oneal claims they bought the account from the second lien holder. They never sent me any packet info neither have i signed any paperwork within the last ten years. Now they have sent a payment book and threaten to report to the credit bureau if i don't pay. I would like to know can they open an account that is over ten years old and do they have a lien on my property? They are demanding payments from me now.
Bank of America is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
Equifax is currently reporting a released tax lien. The information that is being reported is not correct. This information has a date being reported as XXXX/XXXX/0001. This is not a valid date and under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.
We had a credit check for a possible loan while of vacation in late XXXX this year, noted the birthday was incorrect. ( wrong date was ( XX/XX/XXXX ) ). Contacted Equifax, and sent them requested information XXXX this year, XXXX twice ). I have sent Equifax copies of my drivers license and a utility bill from my address as well as a XXXX from that should have been sufficient. Received confirmation number ( XXXX ) dated XX/XX/XXXX. Stating my birthday was corrected toXX/XX/XXXX. Great right! Wrong! Back from couple week travel. Received another confirmation, ( XXXX ) dated XX/XX/XXXX, stating it was CHANGED BACK, to the wrong date! They have all my other personal data correct and I 'm pretty sure no one with my name lives in the house with me! And hope they do n't have my SS number.
The original call was from a rep trying to find a XXXX XXXX by dialing every XXXX named XXXX in the phone book, she called me KNOWING that the number did NOT belong to the debtor. She then demanded to speak to the debtor and threatened me if I did not put her on the phone, I told her that I did n't know the person she was looking for and that no one by that name lived at my address. She said that did n't matter and if the debtor was not at my address I should pay the debt anyway to get them off my back, and that she would list me as the debtor even though she knew I was not. I then received a threatening email from Wells Fargo complaining to you, and on the XXXX of XXXX. I received a threatening letter from XXXX XXXX XXXX, when I called she demanded payment of the debt and an apology even though she said she knows it 's not me they want, it 's just I am the XXXX they can get to. I DO NOT owe this debt and have never done business with Wells Fargo in any way shape or form. These people must be severely punished and made to pay for there threats and {$1500.00} for the unlawful pnone call
Tried to get inquiries removed from my accounts with TransUnion, XXXX, and XXXX told them that they were not authorized but the companies refuse to remove them.
Who is the man or womanclaiming i owe the alleged debt.yhis infotmation is fraud and inaccuate and it is causing me damages.
Debt is stale, from 2003. 
Original debtor discharged this debt ; XXXX collection agency has failed to provide verification and that debt was sold to several different companies.
Wells Fargo Bank is funding their payment of the setttlement by systemetically sequencing deposits and debits to incurt the maximum amount of overdraft fees, I was charged XXXX for a XXXX recurring debit to XXXX XXXX XXXX and a utilty payment to XXXX for {$49.00} and another {$35.00}. That represents interest at the rate of almost 36,500 % on per anuum basis.
XX/XX/2015, XXXX XXXX Mortgage sold the mortgage on my home at XXXX XXXX XXXX XXXX to PNC Bank. At the time I was on automatic withdrawal with XXXX. PNC Bank did not assume the automatic payment method, nor did it send me any paperwork to make changes. However, XX/XX/XXXX I received a statement in the mail which said I was overdue for my XX/XX/XXXX Payment. I immediately called PNC Bank Customer Service, made arrangements for an EFT transfer of funds for XX/XX/XXXX and XX/XX/XXXX payments, and set up automatic transfers on the XXXX of the month for the remainder of the loan beginning XX/XX/2015. The timetable for the two loan payments was 39 days late as of that date ( XX/XX/2015 ). PNC Bank did not make the transfer until XX/XX/XXXX, 34 days after I authorized it. They then turned in a credit report of default of 73 days to the credit agencies on both my wife and me. Additionally, they did not take out the XX/XX/XXXX Payment until XX/XX/XXXX, making me another late payment again. When I set up the first XXXX XXXX XXXX, the person who arranged this assured me and my wife, who was listening on speaker, assured me we would not be penalized with a bad credit report. However, in applying for another mortgage recently ( we are moving ), I was informed by my mortgage broker we were told we had a bad report from PNC Bank, despite our assurances to the contrary. In calling their Consumer Service line, they told me it was my fault and they could n't do anything about it. I have all necessary documents including the fax with instructions and its log, the EFT authorization for the accounts remaining payments, and the bank statement which shows the delay from my instructions and the bank withdrawal ( XX/XX/XXXX and XX/XX/XXXX ). I believe the poor service from the bank and their lack of timeliness in the withdrawals should exempt me and my wife from any penalizing credit reports from PNC. Also, the operator I spoke to today said there was no one else I could talk to when I requested to speak to a manager, and would have to submit my request in writing to an office in XXXX, Ohio. Really?
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, XXXX Federal Reserve form XXXX XXXX XXXX XXXX prospectus, XXXX XXXX Federal Reserve form FR XXXX balance sheet XXXX XXXX XXXX, XXXX XXXX Federal Reserve form FR XXXX balance sheet ( XXXX ), XXXX XXXX XXXX Federal Reserve form XXXX balance sheet ( XXXX XXXX, XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They need to responded to my request within 30 days from today. EQUIFAX also needs to present me with a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I 'm also requesting them to present the same documents from the following vendors/creditors : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX.
On XXXX I tried to made a payment to my mortgage company with my XXXX XXXX debit card on the phone with Western Union but I was told by the female representative that there was an error sending and to call back in XXXX minutes, in which I did and to just give my phone number, but was told by the second rep I had to give all my information again and was told I did n't have enough in my account. I know when I spoke with the first rep I had at least {$380.00} in my account and I wanted to sent {$300.00} that cause {$310.00} to be taken out of my account. XXXX XXXX said they sent it to Western Union and Western Union said they did n't receive it, now XXXX XXXX is investigating the matter which will take 45 - 90 days which leave me {$310.00} short.
A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XXXX, and discharged in XXXX. For ten years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.
My account was closed unexpectedly on XXXX XXXX, 2015. I have been given no reason for the closure. Calls to the company have been completely useless. I also find it ironic that I had just made a charge which would have allowed me to remain more than half my accumulated rewards. Perhaps Barclay 's did n't want to pay me for the XXXX points I had accumulated?
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Below you will find the dates of loan disbursements, my payments, and interest accruals. You can see there are two amounts for {$2700.00} listed on XX/XX/XXXX. One of those is a payment, the other is an additional charge they made. As I had already graduated and was no longer receiving loan disbursements there should have been no charge there. For the payment I made on this date I also asked the money to pay the entirety of my smallest loan ( XXXX ) and the remaining money go towards paying for my second smallest loan ( under XXXX ). I reached out to the lender in XXXX when I noticed the payment was no allocated as I asked and when I noticed my account said I owed more than the records I have and they have been sending me state. 

Taking away the addition of the XX/XX/XXXX {$2700.00} that should not be there I owe {$34000.00} but the lender is saying I owe {$41000.00}. 



Date Description Principal Interest Total XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX????????? {$2200.00} {$490.00} {$2700.00} XX/XX/XXXX PAYMENT ( {$2200.00} ) ( {$490.00} ) ( {$2700.00} ) XX/XX/XXXX PAYMENT ( {$50.00} ) {$0.00} ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2800.00} ) {$0.00} ( {$2800.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$1600.00} ) ( {$1300.00} ) ( {$3000.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$110.00} {$2300.00} XX/XX/XXXX PAYMENT ( {$3700.00} ) ( {$550.00} ) ( {$4200.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2400.00} ) {$0.00} ( {$2400.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$0.00} {$2200.00} XX/XX/XXXX PAYMENT ( {$500.00} ) {$0.00} ( {$500.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX PAYMENT ( {$40.00} ) ( {$10.00} ) ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} Total {$34000.00}
From 2010 to current I have had issues with navient 3 times i needed to consolidate and told to put in forbearance until my approval came thru I have been paying close to 500 a month and I owe XXXX XXXX more then what I borrowed
Midland Credit Management , Inc . continued to contact me even after I sent a Federal Cease and Desist letter.They made several calls to my cell phone ( XXXX ) XXXX.
I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : JH PORTFOLIO DEBT EQUITI INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

JH PORT DEBT {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX JH PORT DEBT 12 XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details JH PORTFOLIO DEBT EQUITI XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
I cosigned my son 's student loan. He is XXXX and can not pay the loan. The loan amount was XXXX. I 've been paying the loan monthly to AES. When he defaulted on the loan, I was notified and immediately began to make monthly payments. I never missed a payment. I became XXXX this past year, and I heard about Obama 's ruling on releasing loan repayment obligations when a loan has been repayed monthly without any lapses or deferment. I contacted AES to get the loan discharged, but they claimed that this loan was deferred for one month before I even knew it was in default. I did n't authorize any deferment ever, and I 've been paying the loan for more than 48 months without any lapses. They claimed that I am responsible for my son 's initial request to defer the loan for a month without ever informing me about this decision. My son has a psychiatric XXXX which limits his rational decision making ability. Now, we are both XXXX. AES claims that I 'm basically stuck with repaying the loan. The percentage rate is very high at 9.493 % which is above the original rate I was given. This company refused to provide me with the bank information associated with this loan which was initially XXXX Bank. Thank You, XXXX XXXX XXXX
We purchased a home on  XXXX / XXXX / XXXX  and with the mortgage financed through  XXXX ,  XXXX . The loan was sold to  Ocwen Loan Services o n  XXXX / XXXX / XXXX . In  XXXX  of  XXXX  I received a letter from  Ocwen  stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called  Ocwen  asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it..     My original loan payment with   XXXX   was {$1500.00}. In  XXXX   XXXX  Ocwen increased it to {$1600.00} and in  XXXX  they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for  XXXX  was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction.     Due to a recent financial hardship, I submitted loan modification paperwork to them on  XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was  XXXX   XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending  . Sent Ocwen an email ( attached ) regarding these issues and again, no reply.
Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen   complaints are on your website and yet they are still in business.
I filed a dispute with Equifax on XXXX XXXX XXXX 2017 about a count the revolving and reporting open when it was closed and paid in full also on XXXX I tried to dispute the name XXXX XXXX XXXX
credit bureaus refused to reverse the late payments reported on XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$580.00} with XXXX, XXXX, & XXXX credit reporting agencies. This debt was previously removed then later resold and reinserted back onto my credit reports. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.     Navient refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.