WillisBack/dataset-financial-user-claim huggingface dataset:
A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws
I submitted a dispute to Equifax in regards to the XXXX XXXX account asking for them to validate the correct information in which they have failed to do so numerous of times. They are reporting numerous of late payments on my account in which is incorrect
The credit agency still have not sent a letter to my home to update account as paid in full. The agency coded the account as a XXXX balance/ charge off on all credit bureau. The account was in fact paid in full. The agency will not report correct information on my credit report. I have screenshot proof to support my claim
I never received a notice of right to dispute in the mail is my first complaint. This is a violation of the FDCPA of course. 

I requested validation as well and they still never validated with me via mail. Instead they reported the debt to another credit bureau, XXXX, which they never reported to before. This is also a violation of the FDCPA. 

On top of that this is a fraudulent account. It did not initiate at my address at all. I am not even aware of this account.
I have called Equifax over the course of the last 3 to 4 months about inquiries listed on my credit report dated XX/XX/XXXX. I have submitted several online disputes in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to them with no action being taken. The last letter I sent to them was on XX/XX/XXXX and I received a generic response letter dated XX/XX/XXXX which basically states that anyone can request my credit without my consent or signature. I did not authorize these inquires and have requested for to remove them and Equifax has refused to do so as of today 's date XX/XX/XXXX.
TransUnion charged me {$5.00} to temporarily unfreeze my credit report. 
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service.
XXXX, Experian, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX/PayPal, Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
OM XX/XX/XXXX WE BECAME AWARE OF A FRAUDULANT CREDIT CARD OPENED IN OUR NAME. WE WROTE AN EMAIL TO XXXX WITH NO RESPONSE.

XX/XX/XXXX - MADE XXXX AWARE OF THE ISSUE BY EMAIL ON THEIR WEBSITE XX/XX/XXXX - CALLED BANK AND TOLD THEM IT WAS FRAUD - THEY ARE INVESTIGATING XX/XX/XXXX - FILED IDENTITY THEFT LETTER WITH FTC XX/XX/XXXX - MAILED LETTER TO XXXX XXXX XX/XX/XXXX - IT APPEARED ON CREDIT REPORT AS NEGATIVE XX/XX/XXXX - XXXX TALKED TO BANK AND " THEY ARE INVESTIGATING '' XX/XX/XXXX - RECEIVED PHONE CALL FROM COLLECTIONS XX/XX/XXXX - RE-WROTE LETTER FROM FTC FOR IDENTITY THEFT
In XX/XX/XXXX, our Menards card through Capital One was denied at our local Menards. Upon contacting Capital One, my wife was told that she could not be given the account balance since her name is not on the card. Thinking the balance was small, my wife sent {$27.00} to Capital One. We had not realized at the time that we had not received a statement since XX/XX/XXXX. Upon visiting Menards today, the card was again denied. I promptly called Capital One and was told I had a {$28.00} balance and could make a {$63.00} payment to settle finance charges. I authorized the payment from our checking account and immediately opened an online account. I then discovered that our balance was {$190.00}, not {$28.00}. I again called Capital One customer service and requested a full record of the account. I was told that the US Post Office had returned our XX/XX/XXXX statement as undeliverable with no forwarding address. WE have lived in the same single family home for 20 years and have not moved. Capital One confirmed the correct address but had not sent a statement since XX/XX/XXXX. I immediately changed to paperless billing and closed the account.
I have already reported this card as fraudulent. 
They have already received an identity theft report. I have not received any help with this.
i am receiving a threatening letter from a company called Portfolio Recovery Associates , LLC ( address is XXXX, VA XXXX ) telling me I owe several hundred dollars on a XXXX credit card I havent used in a couple of years. I called them, and they told me they are handling the account for XXXX Bank ( which handles debts for XXXX XXXX and that my credit rating is at risk. When I contacted XXXX, who connected me to XXXX Bank, they tell me my account balance is XXXX and that they have never heard of Portfolio Recovery Associates and do not ever sell their accounts to other companies.
I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017
On Saturday XX/XX/2016 I checked my bank account at Wells Fargo they had withdrawn XXXX from my advantage checking account to my other checking account because it was overdrawn and I was not given any notice I called customer service they said when I sign up for Wells Fargo I sign a paper stating that they have the right to cover any overdrawn accounts but they never gave me any sort of notice so right now I have debits out there and checks coming in that are going to be charged for NSF fees the customer service rep gave me the overdraft number for me to call on Monday I even message Wells Fargo on XXXX and a woman named they only said that she will review it and get back to me and I have not heard anything from them I 've been with Wells Fargo for over 8 years and this is XXXX of many problems. I have even reported them to the XXXX for constantly calling me about them calling my number XXXX and XXXX times a day every day even on the weekends including XXXX and XXXX so I have numerous complaints into the XXXX but this XXXX is my main concern they withdrew money without me letting me know and giving me a chance to cover my overdrawn account.
I have a settlement Stipulation in which I pay {$100.00} on or before XXXX of each month until the settlement amount is paid in full. So far I have send in XXXX payments certified mail on time. Twice now have I had them cross out the account number for which the payment was made on and replaced with a different account number followed by a letter to me stating that I am in default of the stipulation of settlement and they plan on applying judgement against me. I believe this is a dishonest way to collect on XXXX different accounts and to manipulate me into paying the settlement in full.
Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX
have disputed a bankruptcy on my credit reports, XXXX and XXXX have removed it but for some reason equifax does not remove this inaccurate information from my records.
My wife and I were shopping at XXXX XXXX XXXX XXXX, We visited the customer service desk to obtain a membership card for her thru my account. The representative took care of our matter and offered a preapproved credit card that I initially declined the offer, after a sales pitch we can save XXXX a gallon on fuel plus any other offer they have by using the card and assured it was preapproved my wife encouraged me to move forward with the offer. The representative at XXXX XXXX asked me a few questions and said the card will arrive in the mail about 10 days. All was well till I got a letter from XXXX XXXX XXXX  rejecting my XXXX XXXX credit card due to to many new credit in the last 12 months. My initial decision to decline the offer was to avoid an other hard inquiry to my credit bureau 's. XXXX XXXX XXXX blamed this on XXXX XXXX   customer service, XXXX XXXX customer service told me in no way did they have anything to do with this situation, It Was XXXX XXXX XXXX showing them on computer screen I was preapproved from XXXX XXXX XXXX web site. Representative at XXXX XXXX  told me this happens a lot.
In XX/XX/XXXX took out a fixed home equity line of credict 0nly to find that the original loan officer no longer worked for first national bank,this was told to me on XX/XX/XXXX when i called  the branch manager, I received disclosure information to only be asked on XX/XX/XXXX to refax,   XX/XX/XXXX tax returns with husbands signature on bottom. Phoned this branch often with calls not returned most of the time  feel like I am a begger by now, I phoned the branch manager and he said that I could finalize the loan on XX/XX/XXXX. I was out of town for the holidays so I did not get back to the branch manager until XX/XX/XXXX only to be told that the loan application  ID number has to be  resubmitted. In late XX/XX/XXXX I was sent another disclosure loan estimate which the interest rate went from 3.89% to 5.05%, I mentioned to the branch manager that he needed to honor the original interest rate because all that transpired it was not my doing. so he resubmitted the loan again to change the interest rate to the original rate and terms . On XX/XX/XXXX, I received a disclosure packet in which the interest rate is the original but the terms are not and the math calculations of this loan does not add up.
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX - XX/XX/2017
I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my report.
Firstly I had an account with US Bank for 2 yrs during my college. When I went out of the country there were a couple of overdrafts which were paid off as soon as I came back and my account was fine for a year. After 2yrs, when I reached out to a nearby bank to deposit money I was told my account was closed and I would receive a cashier cheque through the mail which was told to me when I went to the bank a week ago. It 's been more than a month and I have n't received any mail from the bank and when I try to call the people at the bank they try to avoid me by not picking my calls and I persistently keep calling them and put voicemails which never get answered. If this is the kind of business US Bank wants to do I really want to complain about this. 
Information : Debit Card Account Number : XXXX
I had an account with XXXX at XXXX address. When I moved to another address I learned that comcast was not available for that address which forced me to incur a early termination fee of {$160.00}. After to trips to a XXXX and call with customer service I was assured the {$160.00} would be credited. Now I have received a collection notice from XXXX. I do not know what to do at this time. They have threatened to add this to my credit report if not paid. I also have a {$60.00} charge from XXXX that was paid back in 2014 but not applied to my account and I 'm being ahrrased tp pay that amount too.
I took a 7-day free trial with XXXX XXXX belonging to XXXX XXXX XXXX, an Experian company. In order to cancel it you must call their toll free number. I have called and called. And waited for over an hour, even though wait time was supposed to be 15 minutes. No answer. They are charging my card on file for a membership that is impossible to cancel.
I took a job XXXX in XXXX 2015 and put our house XXXX on the market. Within a few months, our realtor made it clear that we needed to lower the asking price of the house to a point below what we owed on the mortgage, if we were going to be able to attract potential buyers. Beginning XXXX we lowered the asking price by {$10000.00} per month. By XXXX, we were asking less than the amount we owed US Bank on our mortgage. In XXXX we filed the short sale paperwork with our mortgage bank and alerted our realtor we were in short sale territory. By late XXXX or XXXX, we were responding to an endless stream of requests for all kinds of financial information from US Bank to ensure our short sale application was complete. Week after week additional requests followed. We sent whatever documents were requested and many were requested over and over, or became out of date over the course of each subsequent month. There was never a time when US Bank offered to review our request for short sale, only requests for additional documents, XXXX at a time, and always a week or two apart. Even when the file should have been complete, US Bank came up with additional and new requests. We received a written offer XXXX XXXX, with a 30 day time limit on it. We forwarded this to US Bank for our file as soon as we had it. This was met with more requests for information we had already sent. We asked for help from our realtor 's attorney as the requests seemed excessive and just seemed like the bank was delaying making a decision. We have been paying our mortgage this entire time. We still have not had our file reviewed and fear the party making the only offer we have received, may walk away due to the delays. As of XXXX XXXX we stopped paying the monthly mortgage.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.

A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


Experian XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Type Other XXXX Account Type Other XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX WI XXXX Account # XXXX
Experian continues to report a fraudulent & unverifiable account on my credit report. XXXX XXXX XXXX should be removed from my report. I 've disputed this account numerous times with Experian, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to this account is n't even listed on my credit file. I 've requested the XXXX XXXX XXXX account be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like this unverifiable account removed immediately. If Experian continues to claim they 've verified this account again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
I have sent XXXX XXXX XXXX XXXX a letter on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE this debt they claim I owe them or XXXX  XXXX. XXXX, XXXX only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX saying that XXXX, XXXX owns the account and that it is not an attempt of XXXX XXXX trying to collect a debt. I am going to need VALIDATION THAT I OWE XXXX, XXXX {$360.00} and {$400.00} if they can not produce these documents I demand them to remove it immediately.
We have been trying to get a mortgage loan closed since XXXX. We applied and were approoved bavk then. The problem is the mortgage company wo n't close the loan. They keep asking for the same info over and over again only to wait too long to close so we have to do it again. The mortgage brokers are XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. The bank is Pacific Union Financial XXXX XXXX XXXX We have resubmitted all the required info several times. A month back I reported them to the XXXX and that seemed to help, but then this week they promissed to close yesterday ( tuesday ) but did n't so now we have to resubmit everything again and wait for another closing day. I 've lost a lot of revenue from my job because I 've had to miss work so many days waiting to close only to not get it done. As I said, this has been going on since XXXX and it is my understanding that it should only take XXXX4 weeks.
XXXX & Transunion credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.
On or about XXXX XXXX, XXXX, I learned that Hyundai Motor Finance erroneously reported to XXXX and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called Hyundai Motor Financing to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from Hyundai Motor Finance that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX
OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears.

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX   and XXXX.

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.