WillisBack/dataset-financial-user-claim huggingface dataset:
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING A RESPONSE FROM EQUIFAX AS IT IS NOW XXXX XXXX, 2015 AND UI HAVE NOT RECIEVED A RESPONSE FROM THEM IN REGARDS TO MY DISPUTES. AS EQUIFAX IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA. THE DISPUTED ITEMS MUST NOW BE LEGALLY REMOVED FROM MY EQUIFAX CREDIT REPORT. 


I am writing in reference to my original dispute. I have disputed these alleged account information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted and filed a complaint with the CFPB on each of the creditor currently listed on my Equifax credit report myself and have been unable to get them to verify that this is indeed my debt. 
I have previously enclose copies of my requests for each creditor to VALIDATE these alleged debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay these alleged debts to the creditors listed on my Equifax credit report. 
The FCRA requires Equifax to VALIDATE the validity of the DISPUTED items within 30 days. If VALIDATION can not be verified, Equifax is obligated by law to remove the DISPUTED items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
Equifax has been unable to legally VALIDATE these DISPUTED items pursuant to the FCRA, and is continuing to list the disputed items on my Equifax credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Equifax in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.
My son enrolled at XXXX. XXXX conn. Financial aid applied my sons name to the " student loan " portion of the loan at the cost of approximately 20,000.00 $ Financial department then applied my name, ( mom ) to what they called co- signer on " parent plus '' loan for balance of tuition, at the cost of approximately 38 -? Thousand dollars. Through the course of the next 18 months we had to reapply 3-4 times?? Very confusing. All parent and students had to do this. My son graduated and entire loan in a lump sum is in my name only? XXXX $ a month? My son could not afford that amount on his entry level salary of XXXX an hour. My son just passed away XX/XX/2017. I would like to know what legal options I have?
O  n  XXXXXX 201  7,  I  pulled my  3 in 1 cre dit report through   XXXX   - it showed that I had  XXXX  collection accounts on my Equifax report - I am not liable for these accounts. I submitted a dispute online for all  XXXX  accounts. On    XXXX    17, I  received a response on stating that these accounts were verified and are in fact mine. However, I am not liable for these accounts. Upon the direction of the communication I received from Equifax - it stated that I should file a complaint with your agency against Equifax.
I was contacted via email by Capitol One at XXXX PDT on XXXX/XXXX/16 regarding potential fraudulent charges. In fact, they were in the amounts of {$900.00}, {$950.00}, and {$8.00}, which maxed out the limit of the master card. After filing the necessary information with Capitol One, they credited the account for the charges plus all associated fees. But, they refused to release the available credit pending the investigation up to 90 days. 

So basically, I 'm being punished for fraud and have XXXX available funds to the card for 90 days. Given that I have contacted the businesses involved, gotten the suspects physical description from a business and subsequently filed a police report, spoken to multiple police agencies where the fraud occurred, filed this report ; I do n't see why I 'm being punished for this fraud.
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
So ... ... I received an email yesterday from Navient saying that statement is ready so I took a look as saw that I owe {$500.00} for XX/XX/XXXX and XX/XX/XXXX even though my original state shows that my monthly payment are {$100.00}. The rep tells me that I reapplied for the IBR plan in XX/XX/XXXX and I 'm telling him no I did n't since I applied in XX/XX/XXXX, he said they have a signed application from and I sent them proof of my income which I remember doing but I thought it was from my original application so now my payments has gone up by {$150.00} even though I have an agreed term showing that my payments are set at {$100.00} until the end of 2016 and my income has NOT changes from last year and I get paid once a month. 
I CAN NOT afford {$250.00} a month and if I come off the IBR plan then my payments are {$200.00}, I asked him why the payments are lower off the plan and he said he was using some income table which mean he really does n't know how much my payment will be! I am trying to be a responsible grown up and clean up my credit and debt this year but Navient has got the wrong person this time so I will be paying what I agreed to until I receive the signed copy of my so called application from XX/XX/XXXX, these are slick and trying to get over on EVERYONE but not with me!!!
USAA Bank - I attempted to make a deposit and the funds were placed on hold. It was a {$20.00} deposit. They will not take any other methods of viable deposit unless it 's a Wire transfer ( going to cost me XXXX dollars from my bank XXXX or a cash advance off a Master Card. 

Sadly, I do n't own a mastercard. I only have XXXX but they wont accept that. They told me they wont accept a cashiers check/money. I have no way to make a deposit and they are going to access me a feel. 

Just to note, it 's XXXX XXXX and my debit wont hit the bank until the XXXX. They have my deposit on hold until XXXX XXXX. With no way to deposit, I can not avoid the penalty even though I contacted them 2 days in advance. They are going to charge me a {$39.00} fee on a XXXX dollar debit. 

I
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.
I received XXXX phone calls on my home and cell phone number. I returned XXXX calls, verified that it was a different person with the same first and last name ( but different middle name, birth date, etc. ) On each phone call asked them to cease contacting me. Received XXXX a letter demanding payment. Called again and asked to be removed.
Being charged erroneous bank fees on my checking account which is a Basic / Lifeline account.
I had an account with XXXX and I was paying regularly, I sold the whole building which consists of XXXX units, I found a collection under credit protection association LP on my XXXX report that I owe them {$290.00} unpaid, I did pay even its not mine and they said they will delete it because its not mine and no sufficient info about this account, however it 's not deleted as requested and it 's not mine, I had XXXX bill on basement and their collection does n't include any Unit number and they have phone that does n't belongs to me and wrong amount, however I had original bill and shows payments for the specific unit and account number different what is in collection.
This debt is 10 years old & was part of id theft. i have disputed this with all XXXX credit agencies. Thank you for helping me
Home at XXXX View XXXX XXXX CA XXXX has not been foreclosed on by Chase Bank after homeowner walked away in XXXX of 2015. Assesmmnts are behind and no title transfer or maintenance to property.
I have had a fraudulent charge on my account and Wells Fargo denied my claim. Someone in Massachusetts had called ( somehow using my own phone number ) and requested my funds from the savings account to be transferred to the checking account where they could withdraw all my money.. 1800 $  approximately. The individual requested a change of address and a card to be sent to them rush service. I am in XXXX Texas, they are in Massachusetts and I worked both days so its impossible to have done that myself.
I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.
this was paid to a different collection agency over 4 years ago. I never had a account with this company that was opened in XX/XX/2016 like they are claiming on my reports
ACS was the servicer of my old loan and XXXX took over the loan in 2014 and the balance was paid to XXXX . I filed a dispute with ACS because of incorrect payment history on my credit report. The dispute was finished and the some of the payment history was deleted but then then the loan turned into a collection with a XXXX balance, which is highly incorrect and illegal. The original loan balance was no more than XXXX so I know the balance is incorrect. ACS just put a random balance on my credit report. I need proof of this amount and I need ACS to send the paper info with all included loan balances and payments to me. This is highly against FCRA law and I 've file multiple disputes with them and the credit bureaus. I need ALL NEGATIVE payment info submitted by ACS to deleted ASAP.
Today XX/XX/XXXX I called a number that was left as a message for me on my cell phone from the previous day. When I called the number and after giving my information the woman stated that I was not to have been given that number but that she would assist me. After placing me on hold she then read me my file that stated they were sending me a summons to my home address for a debt from US bank from XX/XX/XXXX. It was in regards to overdraft bank account. I explained I had previously taken care of this debt in XX/XX/XXXX-XX/XX/XXXX. She replied " yay right. '' When I asked why this was just now being pursued after 11 years she stated that it will be 10 years this XXXX and that the state of Illinois sets that statute. I explained that I had not lived in Illinois in 11 years and I had not heard anything of this debt since it had been taken care of. I also looked on my credit report and there is nothing of an outstanding debt noted on that from the 3 reporting agencies. She told me good luck fighting this and that I would have to fax the information today or I would have my day in court. The total sum she stated that would be garnished from my account would be upwards of {$2000.00} after attorney fees for a balance that she stated was $ 700+. I had settled this debt for a sum of {$550.00}.
I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.
SLS is not processing my modification requests after inappropriate handling by their representative. The representative assigned to my case advised via letter that she is available from XXXX-XXXX. When I call the XXXX # they advise me she in fact works XXXX-XXXX my time so I will never be able to speak to her with my normal working hours from XXXX-XXXX. I have received misinformation over and over from the XXXX # and requested multiple callbacks from supervisors with no response. My most recent issue is a denied modification for missing paperwork when they have had the paperwork on file from the point I emailed it on XXXX/XXXX/16. I was told via the XXXX # that the paperwork was acceptable, but then received letters stating it was not. I called back in and requested the file to be re-opened because everything was there. The rep advised she would re-open the file and to call back in a few days as it would be done. I called back in and was informed it would take 5-7 days to reopen the file. I requested a call from a supervisor as this was day 5 with no return call. I waited and called back today and the representative advised it was closed and the reopen was denied for the missing paperwork that he again found on the file in fact they have 3 separate letters available. I asked him if it would be another 5-7 days to reopen and was advised that it never takes that long, it 's only 24 hours and he did n't know where I was getting 5-7 days as it was never documented in the file that I was told 5-7 days either. I receive constant misinformation, contradicting information and I can never get a hold of the one person that is supposed to manage my file. I am incredibly frustrated at this point and my home is set to be foreclosed. Not one person reflects any sense of urgency in handling my file and they do not care that I have received misinformation over and over again. I have requested another call back from a supervisor and I fully expect this to be ignored again. Please help me.
Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XX/XX/XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.
On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).
Central Mortgage Company charged a late fee that should not have been charged. 
They have done this several times on my online bill pay.
My bank BB & T has charged me an unfair overdraft fee of {$72.00}. I call this stealing. 
My checking account had enough money to cover XXXX small charges I used on the evening of XXXX. Later that evening around XXXX I received several texts messages my account was overdrawn. The next day I viewed my account. XXXX ( Available balance now over XXXX ). 

There were XXXX pending bills I wanted to Que up for processing as early as possible. ( Most take over 2 days ) The bank put the status of these XXXX payments ( pending for a few days ) as pending, then added the other XXXX from XXXX also pending, causing me a problem. On XXXX all XXXX pending payments WERE STILL PENDING. ( Meaning no one has taken my money yet. It is still in my account ). 

At the very least they should have processed my XXXX smaller debit card purchases from what money was there. It would have costed me much less, but no. I have noticed the largest payment is made first as if trying to overdraft as many smaller payments as possible. 

I feel this is very unfair to the average consumer and I think new laws are needed to protect people from the greed of this bank. 

BB & T is really not the best bank in town. They are thieves. I am asking for help.
I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.
Chase Mortgage Financial is claiming I didn't pay the mortgage on specific months though I have confirmation I did then refused my mortgage payments for 3 straight months forcing me to get assistance from the HUD HOPE program where I made 4 consecutive payments during which Chase decided to hire a debt collector and had a summons served for a ridiculous amount of money that I simply do not owe. Due to Chase 's negligence in properly managing this mortgage, it has turned into a complete nightmare. It should be noted, Chase and the debt collector ( who is a law firm ), refused to honor a cease and desist order via the HOPE program.
Just Looked at My Trans Union Credit report dated XXXX/XXXX/2017 Found these numbers on there that are not mine : XXXX XXXX XXXX I do n't know where they got these numbers from what billing or documentation there is for these but I do n't subscribe.
I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.
In XX/XX/2018 XXXX  XXXX XXXX reported to credi bureaus 30 day late. This is incorrect. Please provide proof.
There was an advertisement on XXXX about student loan forgiveness. I called and they told me since I have over {$10000.00} in debt and work for a XXXX XXXX, they could forgive my loan and consolidate them. I gave them all my information SSN, bank account, and they sent me a contract that I signed. My first payment is scheduled to come out on XX/XX/XXXX 2017. I called onXX/XX/XXXX and signed the contract on XX/XX/XXXXalso. My first 4 payments were for {$220.00} and then {$20.00} a month for 10 years and the rest would be forgiven. I believe it was a scam and they have all my personal information. The company is called Premier Student Loan Center and in the contract if had information about the Department of Education.