WillisBack/dataset-financial-user-claim huggingface dataset:
CRA violation no knowledge of fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX
I had a hospital bill that was paid late by my insurance company. The debt was sent to a collections agency that has agreed that the debt is not due, when I speak to them on the phone, after I sent the proof it was paid. They continue to keep a Collection on my Credit report that is lowering my credit score. I 've tried to dispute it with the credit reporting agencies but the system of disputing a debt is useless since they do n't confirm anything.
My car was involved in a hit and run on XX/XX/XXXX and it was totaled out by XXXX XXXX XXXX. I still made my monthly insurance payment for XXXX even though I no longer had the car. I received an email from XXXX stating " Please note that you no longer have insurance with us, effective XX/XX/XXXX '', 9 days after the accident. They ( through XXXX XXXX ), are reporting to the credit bureaus that I still owe the balance of the policy that they in fact cancelled. I disputed owing any balance to them. As a recent college graduate at that time it was impossible for me to make a payment for something that I did not need coverage for and that they themselves cancelled. I would like your assistance with having this trade line removed from all 3 credit bureaus. XXXX paid the value of the car off to American Credit Acceptance , LLC XX/XX/XXXX. The Gap insurance took a little longer to pay the difference. I over communicated with American Credit Acceptance making them aware of the loss of the car. They knew that I had gap coverage and they were working on completing the payment to them, yet, American Credit Acceptance , LLC reported to the bureaus that during the months of XXXX ( 30 days ), XXXX ( 60 days ) and XXXX ( 120 days ) that I was late with my payments. I no longer had the car which they knew all to well. Please assist me with getting these erroneous late payments deleted from this account. Thank you in advance for your assistance.
I have spoken with the original creditor in this the reference to account number XXXX XXXX XXXX XXXX XXXX they have informed me that the account was handled and paid in full. They informed me that there is no reason it should be reporting on my credit and leaving damaging effect to my credit reports. it is against the law to still report on the credit reports if the account is in fact paid and settled It also violates my rights a consumer and could be a penalty against your company.
I have contacted them by US mail, email and phone to inform them this is not my debt. I have also filed disputes with all three credit agencies. They refuse to remove this erroneous debt from my report.
Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

XXXX, XXXX
Equifaxhas fail to provide me with results of my dispute that I have initiated since last year on accounts closed and recent payments have been posted or accounts have been sold to different companies and they are still reporting them ( equifax ) as active.
I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states

two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.
I opened CFPB case XXXX where Optimum Outcomes took longer than 30 days and did not provide adequate information to verify the debt. I didn't receive an original bill that would prove the debt ( with information such as the company logo, company address, description of services performed, cost of each service, etc ). This took longer than 30 days and is now past 60 days, and they have not provided any bill or anything that provides real evidence of this debt.
Bank : CitiMortgage. I paid off my mortgage with Citi and refinanced the same with XXXX. Citi has charged me XXXX dollars ( XXXX dollars twice ) saying they faxed me a Payoff Statement, when I do not even have a fax number. They are unable to provide me details on who and to what address ( phone or mailing ) was the payoff statement sent. 

Citi has also charged me XXXX dollars as " release Fee '' when it is actually Recording Fee. I already paid the Recording Fee to my refinance company ( once for recording that Citi off the mortgage and once for recording that XXXX is on the mortgage ). I have also checked the same at XXXX XXXX XXXX and the monies for these transaction have been paid my closing company
COLLECTIONS my ss # XXXX i disputed thi before 30 days XXXX XXXX  Last reported : XX/XX/XXXX- {$430.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$430.00} Highest Balance {$430.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX  See an error?

DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.

CHECK DISPUTE STATUS Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
i have disputed an item on experian for over a year, experian keeps on responding verified, updated etc. in fact they are reporting an item named XXXX XXXX which they report as transferred and sold to a comply called XXXX XXXX XXXX which i was unable to locate and is not registered with any agency as a valid legal collection or debt buyer, 1 ) XXXX never verified this account, to Experian, Experian is using old and outdated info on this item. 
2 ) i also sent a request to XXXX where they failed to validate this item. 
3 ) Experian refused to re-investigate the item which is a violation
Hello, After opening up a Citigold account for the promotional offer of XXXX AA miles, I visited a local branch to verify that by using the promotional code given to me and meeting the account requirements, I would be awarded the XXXX bonus miles. I am well past the 60 day requirement to issue my bonus, and I have confirmation documentation via Citi online chat that confirms I opened the bank account with the promotional offer in a valid fashion and that I have met the requirements, therefore I would be rewarded the points by late XXXX. Since that period I have requested the miles three times, being told that I would receive the miles within two business days.
I went to the Bank of America ( BoA ) branch XXXX XXXX XXXX, NY on Friday XXXX XXXX, 2015 to pay my credit card bill in person with the payment coupon provided by BoA for a bill due Tuesday XXXX XXXX, 2015. The teller misapplied my payment to another account. I called BoA to fix the error on Monday XXXX XXXX, 2015 and I was told by the BoA representative that BoA would charge me interest for 7-10 business days after which time they would retract the interest from my next bill and apply my payment. 

I pay my bill in full every month and have had this card for 25 years. My payments that day ( I made XXXX cash payments to the same account ), if properly applied, would be for the full billing amount - no interest would be paid to BoA. I am unhappy that BoA misapplied my payment even though my payment coupon was printed for the proper account and that they are charging my account interest that they otherwise would not be able to ( by misapplying my payment to another account they prevented me from paying off said account in full ). Their solution to allow the interest to accrue and then take it off my next statement is unacceptable. By delaying the transfer of my payment to the proper account for 7-10 business days they hurt my credit and fraudulently charge me interest that they are not entitled to. 

When I asked the representative for a reference number for this transaction ( moving the payment to the proper account ) I was informed that BoA offers no such reference. I asked her for her name so I could have some verification that I discovered and reported to BoA the error in applying my payment and she would only give her initials. By refusing to provide me with verification for my request to fix BoA 's error, and only providing me with the initials of the representative after I pressed her for some type of verification, BoA gives the appearance of trying to set up the customer to suffer further errors ( BoA can always say they never got my call to fix their error, for instance ) in order to charge consumers more interest fraudulently. Applying my payment to the proper account should be made the same day I reported the error, especially as I found and reported the error in advance of the the bill 's due date.
I had moved to over seas on XX/XX/2015 permanantly but had noticed someone stole my information and screwed my credit.I was in CA for short period of time and I think my room mate had my information and used my info. 
This is not mine Diversified Consultant Acct # XXXX
Someone has used my information and pulled hard inquiry on XX/XX/2018 without my permission.. 
I want my hard inquiry to be removed immediately..
Today XXXX I received a letter from Equifax stating that their investigation into My request per section 609 of the FCRA for a listing on my credit report being reported by XXXX be verified by providing me proper documentation has been once again ignored. Equifax sent me a letter stating that Additional Information has been provided from the original source regarding this item. What additional information. All equifax does, as well as the other credit bureaus is tell me to contact the original source. This is not my responsibility. I am not the one reporting the information against me. Section 609 says that if the credit bureau is going to report information against me they must provide proper documentation showing that what they are reporting is accurate, complete and verifiable. They refuse to do so. How do I know what they are reporting meets all 3 standards if they refuse to send me what they have on file. Simply sending me a letter stating that they have received additional information does not provide me the consumer with a proper explanation. They feel that they can report this against me but refuse to provide proper documentation stating why they can report this. When I call them they say they are simply reporting the information as it is provided to them. What is being provided to them and how is it being provided. They are breaking the law by not providing me the original source document that they are suppose to house internally to show that they have the right to report this information. I have requested from XXXX the original contract for this debt showing my name and signature on it and they are either stalling in sending it to me or they are refusing because they know it is a bogus debt. So if they can not or are unwilling to send this to me how can Equifax say they have received additional information. This is a blatant lie and a fraudulent attempt to harm me financially. I am requesting that equifax either send me the original contract that they have on file or if they do not have anything on file other than the original sources word that this item be removed from my credit report and never be reported again.
I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.
case XXXX still an issue and lender not taking payment. I never mention to stop automatic payment. just changed account to draft for auto payment. if they stopped it, they need to fix. the payment is late yet again and the lender 's poor process is affecting me as a consumer affecting
I had a Chase Ink credit card opened on XX/XX/2017. I have been using the card ever since then for my purchases and earned XXXX ultimate rewards points. I have always paid my bills on time and had no issues with the credit card. Recently, they contacted me about possible fraud on my account. When I called them back about this, they had issues with validating my identity. I emailed them copies of my state ID, XXXX card, utility bill, business information. However, they still claimed they could not validate the identity. They proceeded to cancel the account and now I have lost all my points. They refused to allow me to prove this was a mistake on their part or to reimburse me for the points. I feel they are taking advantage of some small loophole they have to not pay out my points. This is very unfair.
I 'm writing a complaint in regards to First Tennessee Bank ( FTB ) not being able to assist me with the annuities I purchased from FTB. Since, I had not been receiving all of my statements in the mail, I went to FTB to advise them that I had not received my statements. I have only received one statement from XXXX and was requesting my other statements as well. I was told to contact XXXX XXXX, a Financial Specialist with FTB who could see whom my investments were with. XXXX called XXXX and stated that I only had XXXX annuity with XXXX and not XXXX. She stated one was with XXXX and the other was with XXXX. Also, she told me before XXXX I was originally with XXXX, then it changed hands with XXXX, and last with XXXX. Additionally, she said that XXXX dropped my XXXX annuity. I told XXXX, FTBs records show XXXX annuities and it has been reflecting that for over twenty years. 

Displeased with XXXX, I contacted XXXX at First Tennessee Bank ( FTB ) and was given the brokerage phone number with FTB. I contacted the Brokerage department with FTB and spoke to XXXX XXXX. He indicated that I had XXXX annuities ( XXXX with XXXX and XXXX with XXXX ). There are XXXX IRA 's with XXXX and the account numbers. An example of these account numbers with XXXX are the following XXXX and XXXX, and third account with XXXX and account number is XXXX. I called XXXX, the Financial Specialist back to inform her what the brokerage side said. She repeated, XXXX only has XXXX annuity and had dropped the other XXXX. She told me to call XXXX. I told her I took out these IRA 's with First Tennessee Bank not XXXX. She said it has not been dropped on the bank side yet and I had to prove I have XXXX IRA 's with XXXX although the bank records show that I have XXXX. I told her again these accounts were over twenty years old and I can not find the papers. I have received only XXXX statement from XXXX. It has been several weeks and I have not received statements from the companies that First Tennessee Bank invested my money with. 

I only have proof of my annuities from the print out obtained from First Tennessee Bank. I have attached these documents for your reference. Also, these annuities have been reflecting on FTB records for over twenty years. That should be proof enough. Let me know if you require any clarification. Thanks for your help.
On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.
I did n't receive a notice of right to dispute. I sent Contract Callers a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information.If this account is not deleted I will file a lawsuit.
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
XX/XX/XXXX HunterWarfeild is alleging that I owe {$770.00} or so the amount keeps changing on my credit report the amount keeps going up. I reached out to this company and asked for a signed contract they sent me back a contract with forged signatures that are not mine. I wrote them a letter to explain that this information is incorrect. Im not satisfied with this being on my credit report.
I filed a complaint requesting the itemization of a deferred non-interest bearing balance on a loan from Nationstar mortgage. The response provided did not itemize the amount in question of {$58000.00}, rather the response actually said that the amount I thought had to be paid back after the 40 years is actually a principal forgiveness. On all of my statements there is a non-interest bearing balance where I have to pay this back. I called Nationstar on XX/XX/XXXX and I was on hold a few times throughout the 30 minute conversation which finally resulted in the rep telling me I see the letter that says principal forgiveness, we are confused and need to investigate and we will get back to you within a day. This company is confusing customers with their language and themselves as well. If the rep understood the agreement as actual forgiveness why do my modification papers say it is deferred and has to be paid back if I sell or transfer property. This is a distress to homeowners and an unfair practice, again this property is nowhere near being worth {$190000.00} in the crime ridden englewood neighborhood.
I notified both XXXX and Transunion that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my Transunion and my XXXX reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.
My husband and I have received four phone calls from four different phone numbers saying they are American Express. Never leaves a message.
I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both XXXX  and National Credit System were able to verify this account 100 accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against XXXX & National Credit System. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.
I have made several calls to XXXX. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.