WillisBack/dataset-financial-user-claim huggingface dataset:
As a consumer on multiple instances, I have written several letters to Experian XXXX, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX, and XXXX are in violation of the FCRA. 


I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to Experian, XXXX, and XXXX. in addition to a letter from XXXX confirming my file with them is and was locked when Experian, XXXX, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to Experian, XXXX, and XXXX. 

" I'm asking that the CFPB assist me in this matter because Experian, XXXX, and XXXX  has violated my rights to the fullest and this matter has affected my life in the worst way.
Equifax does not show mortgage : Opened in XX/XX/XXXX, mortgage holder : XXXX/XXXX  XXXX. 

XXXX and XXXX are both showing this mortgage. 

Disputed with Equifax, first, a few weeks ago ( in between XX/XX/XXXX and XX/XX/XXXX ), when I signed up for a service called " XXXX XXXX '' and noticed that Equifax was not showing the mortgage, but I never received a response from Equifax. The credit reporting service ( either XXXX XXXX, XXXX, or XXXX ) offered a recommendation that I was lacking and needed " relevant '' or " current '' real estate loans to show on my credit reports. 

XX/XX/XXXX, I attempted to check Equifax status, but I could only find where it said my dispute had " expired. '' XX/XX/XXXX ( today ), I attempted to make contact with Equifax through its website, but I only receive a message that my account is locked and that I should contact them directly, but it is unclear as to how to do this. 

This may have a negative impact on my credit which concerns me a great deal, or at least it does not have a positive effect, as I have never missed or been late with a payment. 

Thank you.
I attached the correspondence I had with two car dealers, and XXXX. XXXX approved my loan for some {$12000.00} but when I refused to purchase a vehicle of their choosing, or dealer selection, XXXX of XXXX XXXX had my approval canceled. I argue the credit agencies refuse to post all of my loans, and instead post one negative item on my credit report. I believe this is a violation of The Fair Credit Act, Equal Opportunity in lending, and request you correct their violation of my civil rights. I believe XXXX XXXX XXXX. their internet department specifically XXXX Internet sales attempted to exploit me, and violated my civil right. I am requesting a Full Investigation. Thank you
As allowed under FDCPA I am requesting that you allow me to validate the alleged debt. I am allowed under the HIPPA to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. Therefore, my request is twofold, validation of debt and HIPPA authorization. Please not that withholding the information received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider about this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. If you can obtain this information, I will also need the name of the person providing this data, and the way it was provided. If you can not obtain the information from the original creditor within the required time frame ( 30 days ) please delete this account from all of my credit reports.
I have been receiving correspondence by mail from XXXX XXXX XXXX XXXX stating they are in demand for payment of {$360.00}. I think this is a scam because when I call to dispute the request they always ask me for personal information to identify me and do not provide my information over the phone and the person disconnects the phone call.
XXXX and Equifax is showing a collections account from XXXX XXXX  that has been paid via settlement. I have disputed said account with both bureaus to have the account deleted from my credit report but to no avail.
IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel.
I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there. 

I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo. 

I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}. 

Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.
About XXXX months ago, my mortgage processing company started removing the balance amount of my mortgage loan. I called a month ago and was told this would be corrected but it was not. The monthly statements do not provide the remaining loan balance. Company is Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX
The company XXXX is trying to charge me for a debt that I paid for services from XXXX XXXX I received a year ago. This debt was quickly turned over to them and they collected it from me. Now they are claiming that somehow another amount was never paid even though they confirmed earlier this year that I had paid off my debt with them. This all took place at the end of XX/XX/XXXX and beginning of XX/XX/XXXX, when I started receiving XXXX due to losing employment for medical reasons. I called them on the phone today XX/XX/XXXX to talk to someone about resolving the issue. They told me that it didnt matter what I said, I still owed them the money. They didnt offer me any chance or way to prove that I paid the debt off in the beginning of this year. Instead of offering to allow me to research the issue they demanded payment and threatened to ruin my credit.
In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.
Harley Davidson Financial Services calling more than XXXX times daily to collect on account that is late no more than 1 day.For example, if pmnt. has been made online thru their very own website the day before being tardy they will begin calling the very next day.Have stated on phone if 1 hour overdue account is late. I do not want credit rating affected in negative manner because of their overzealous collection practices. This company is allowing very unfair and unprofessional business practices to be performed and should definitely have a grace period in place.
We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home.
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

Equifax has continuously allowed XXXX XXXX XXXX to report on my credit report inaccurate and fraudulent information. All information per the FCRA suppose to be 100 % accurate or it must be deleted permanently from my credit report. 

Problem # 1 : My Credit Report ( see first attachment ) displays numerous payments that are being reported inaccurate, on the other hand XXXX XXXX XXXX confirmed only one payment ( see second attachment initial page ). I am confirming that I made only 1 payment to XXXX XXXX XXXX. 
Problem # 2 : I made a complaint to XXXX XXXX XXXX informing them to 100 % verify that the documents forwarded to them from the dealership were forged. I never signed nor authorized for an e-signature application to be forwarded. Per XXXX XXXX XXXX ( see attachment # 3 ) " As to your second issue, no, we do not have sufficient information to conclude that you did not authorized an electronic application at origination. '' Problem # 3 : To confirm the dealerships credibility for verification, I made a complaint to NC Attorney General Office ( See Attachment CA # 1, 2nd page ) referencing the fraudulent documents that were submitted from the dealership " XXXX   XXXX XXXX '' without my knowledge of an e-signature application.XXXX XXXX based on their unverifiable information has damaged my credit report by reporting unverifiable information from a dealership ( XXXX XXXX XXXX ) who can not and will not confirm its position due to fraud and deception. For credibility purposes, XXXX XXXX XXXX XXXX XXXX, NC represents an " F '' on the XXXX  Portal.

Problem # 4 : Per North Carolina Law " Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. '' XXXX XXXX XXXX do not possess the right to collect due to their position of NOT having the proper authority to do so. Per NC Law that regulate debt collectors. XXXX XXXX XXXX has failed to provide proof of their permit via NC DOI.

Problem # 5 : I made a complaint to XXXX XXXX referencing the fraudulent documents being submitted by the dealership " XXXX XXXX XXXX '' and XXXX XXXX XXXX informed me that they conducted an onsite visit at that time, which was false. XXXX XXXX XXXX never conducted an on-site visit at the dealership and can not show proof of the time, day, and representative ID # who in fact conducted such a physical investigation. XXXX XXXX XXXX has conspired to auto fraud & contract fraud do to their lack of consumer support, not able to verify 100 % the documents faxed to them by the fraudulent dealership and not able to locate the vehicle that was never returned to me by the dealership, but yet holding me accountable on my credit report of debt owed that I never signed nor authorized. continue to do so view :
In XXXX my mortgage loan was transferred to Green Tree lending, after 5+ years of being serviced by XXXX. In XXXX my husband and I contacted a bank to initiate a loan for a remodel of our house. But we found out we needed a reaffirmation agreement from Green Tree ( I went through a bankruptcy in early 2010 and the loan was not reaffirmed because either the Trustee would not approve, or XXXX did not -- -it unclear ). I contacted Green Tree starting on XXXX XXXX and was told after multiple calls that I needed my attorney to contact them ( I am XXXX and still do not understand why this is the case because I can XXXX ) ; However I went along with their request. Further, and prior to being told to have my attorney contact them, I left multiple messages for the customer services person I was told handled my account and was not called back. I completed a third party authorization form and my attorney faxed it. On XXXX XXXX I called Green Tree and was told they needed to check with their bankruptcy division. The bankruptcy division told me that I needed to re-open my bankruptcy before they would even refer it to their bankruptcy attorney for an agreement. However I was also told that they typically only do reaffirmation agreements within 60 days of the bankruptcy. I tried to explain that I was not even a Green Tree customer 5 years ago, but the representative did n't seem to understand. My attorney called on XXXX to verify that if I re-opened my case, they would indeed provide a reaffirmation agreement. She was told that Green Tree 's policy is to not do reaffirmation agreements. She pressed further and was told that Green Tree has a specific law firm that represents them for the geographical area where my house is located. She was given the name and number of the law firm. She called the law firm yesterday and left a voicemail. Today she called, was told they did n't know about my case, but then was again directed to the attorney she left a message for yesterday. She provided me the name and number of the firm and attorney and I called and was directed to voicemail. I also looked up the firm online and attempted to look up the attorney on the State bar website. I could not locate the attorney on either the firm website or the State bar website. I would like to understand if it is legal for Green Tree to have a blanket policy for not doing reaffirmation agreements. Also, what my rights are as the home owner with the lien. I would like to refinance the loan so that it is reaffirmed, but thus far am being told I ca n't refinance unless I have a reaffirmation agreement. But that my loan servicer wo n't do a reaffirmation agreement.
I submitted proof that a XXXX account and a judgment appearing on my credit report was not mine or reporting in error .As of today they have not remove these accounts from my credit reports. Help
On XXXX XXXX, 2016 I called Gold Key at XXXX and spoke with XXXX XXXX. I asked for the information on my debt and that she send me an invoice as my credit union required that to payoff the debt. XXXX not only was rude to me but refused to speak with my credit union manager, XXXX XXXX, because XXXX told XXXX that verifying me with my d.o.b. was not appropriate for XXXX to do and I had already verified myself. XXXX refused to speak with XXXX. She refused to fax or email and invoice. And ended up lying stating that she would mail an invoice when I was told by another representative that they could not do that. Why would collection agencies compliance policies not allow them to create an invoice proving the payment amount and address?
I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The students loan were reported twice. 
XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed The other account is from XXXX that appear 5 missed payments. This account was pay in full and in the credit information is incorrect.
My personal information was compromised in  XXXX   2016 . As a result, several credit inquiries were made that were not authorized.  XXXX  of those unauthorized credit inquiries appear on my Experian credit report. I have notified Experian and asked to have them investigated and removed, but they have not responded or removed the hard inquiries. It has been over 30 days since my third and most recent request to Experian.     I am attaching all three communications that I faxed to Experian. I can provide fax confirmations if necessary.
I previously contacted Experian to dispute the following items on XX/XX/XXXX and as of today the items have not been updated which is past 30 days which I thought by law they were to remove the items disputed. 

XXXX  ( acct # XXXX ) is showing activity after it was closed and showing it was included in a bankruptcy XX/XX/XXXX which is inaccurate. I have asked to have this item verified and its been past the 30 days. 

XXXX  XXXX XXXX XXXX ( XXXX ) is showing a 30 day late which is inaccurate and I sent documents showing a payment receipt 21 days after the due date which is less than 30 days late. I have asked to have this item to be verified and its been past 30 days. 

XXXX ( acct # XXXX ) is showing late for the month of XX/XX/XXXX and XX/XX/XXXX and other multiple lates. This account should have no activity for the year XX/XX/XXXX since it was completed in XX/XX/XXXX. It actually states it was included in bankruptcy in XX/XX/XXXX! Even that statement alone is in conflict of a late being reported in XX/XX/XXXX! I have asked to have this item to be verified and its been past 30 days. 

XXXX XXXX XXXX ( acct # XXXX **** ) this account isn't mine and was deleted from my XXXX  credit file. it shows being included in a chapter XXXX bankruptcy which is inaccurate. I have asked to have this item to be verified and its been past 30 days.
On XX/XX/XXXX I contacted XXXX to inquire about an internet offer I was sent through unsolicited postal mail. Upon contacting them via phone I specifically told them, no less than the times, I was not allowing them to run a credit inquiry on my record. Upon reviewing my report there is a inquiry on the same date recorded which is negatively affecting my credit score. 

Upon contacting the reporting agency TransUnion to dispute the inquiry I was told they could not do it without a statement from the inquirer. After many hours on the phone with XXXX I was told no one at their company could provide me with the required dismissal letter and was hung up on. 

I am contacting the CPFB in an attempt to have this record expunged from my credit report.
Company continuously reports fraudulent charges on my credit report for a property that I never lived at and is a result of identity theft.
XXXX is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way