WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute with XXXX XXXX of 2017. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX # XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.
In XXXX XXXX I entered into a loan agreement with Washington Mutual Bank FA. JPMorgan Chase allegedly started to service the loan after Washington Mutual Collapse on XXXX XXXX. On XXXX XXXX, XXXX I sent to Chase Registered Return receipt, a Detailed XXXX Page qualified Written Request ( QWR ) Regarding this loan. Chase did not provide the information as was requested other than a form letter indicating ; " That they are investigating issues and will work to provide a complete and accurate response '' On XXXX XXXX XXXX, I sent JPMorgan Chase A Rescission letter indicating my wish, desire and right to cancel the loan originated by WAMU under the Truth In Lending Act TILA. I further sent XXXX XXXX on XXXX XXXX XXXX a copy of the letter that was sent to Chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of TILA. Neither Chase, or XXXX has complied. Instead, Chase and XXXX has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was XXXX XXXX. Chase and XXXX also deployed the services of XXXX XXXX to achieve their endeavor. Chase and XXXX has now filed papers in circuit court on XXXX XXXX, XXXX to schedule a sale date on my home. I have been forced to defend these collection practices by Chase, XXXX XXXX, and XXXX even though to date, Chase has not produced one scintilla of evidence that they are the Owner and Holder of this loan, or their right to enforce the note. Instead Chase and its lawyers named have continued to violate my rights under TILA and the consumer protection that such regulation affords me.
In XX/XX/XXXX, I applied for one of the two loans from XXXX XXXX for my daughter 's college tuition. In the beginning when I inquired about different aspects of the loan, before signing any document, I made several phone calls, and realized that the interest rate changed throughout the day which I thought was only for international currency exchanges. I also asked at least twice if I paid more than the monthly amount due, that the additional money would be used to pay down the principle and at least twice I was told yes. 

On XX/XX/XXXX, I called XXXX XXXX because I realized that the extra money I had sent in was not being applied to the principle of the one loan. After being kept on hold 10-15 minutes the person came back and said that the money had been put aside for future payments. I asked to speak to a supervisor more than once and I was never able to speak to one. I was told that " the supervisor would allow the money to be paid towards the principle of the one loan this time, but it could not be done in the future. '' I thought that this may be considered predatory lending with the amount of the interest, the misrepresentation of facts, and the inability to speak to a supervisor as if I was being put off and felt as if the company was involved in a scheme. This has affected credit reports for both myself and my daughter.
The Sherman Anti Trust Act, regulates Trusts & Business Conglomerates. 

Estates & Trusts, land and property being held, & " used. '' A Trust was once a Common Law, Law of Precedents, one previous decision, weighing on the next, using a Judge only, weighing, " right from wrong. '' The XXXX XXXX County Court House, dismantled & converted to state statutes only, with no foundation of any Trust except Statutory Trusts. A Successor Trustee who is liable and competent can not " appear '' for the XXXX XXXX XXXX XXXX XXXX XXXX, which is still held on XXXX XXXX XXXX, as casino run off of XXXX XXXX, XXXX XXXX, S.D. with hundreds of other defunct Trusts, failed XX/XX/XXXX. Congressional Indenture Act, Corporation actings as Trustee , Securities & Exchange Commission, ( Conglomerate ) failed XXXX XXXX XXXX. & another completely different EIN, and fictitious name Wells Fargo & Company, as XXXX XXXX XXXX XXXX. EIN XXXX went inactive and now not valid, and failed hundreds of branches in 40 USA states, and hundreds of other business using that EIN number. 
As some-sort-of-Conglomerate, they did not honor their own failure and they plead that they use non existent persons employed un gainfully as XXXX XXXX XXXX already since XXXX, and have no contingency plan, and owe me {$330000.00}, and shouted to the State of CT. they will or can not pay, and they have to all be picked up as non existent and have no  use of the criminal justice system at all. 
They can receive XXXX XXXX, and be " straightened out '' at their own expense to delay their disposal.
On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to  various debt collectors, employers, financial institutions, and a host of others.
As far as I know, I was not a customer of Equifax. If I am, I was not deliberately. Regardless, I never gave them permission to release my information during the recent data breach. Having used their form to check online, the service reported that it was likely my personal data has been compromised.
I spent a some hours researching how best to do damage control at this point, initiated a 90-day Fraud Alert with XXXX, and put myself on the DoNotCall Registry, and opted-out of pre-approved credit offers. I looked over my annual credit report and so far I have not seen anything suspicious, but my understanding is that this release of my personal information has put me at risk for the foreseeable future, without recourse.
I have gone to great lengths to maintain a great credit rating so I can finance a home and small business in the near future, and this development has added to my anxiety.
Continue to call me and another number XXXX. 

saying I will be taken to jail etc
XXXX was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. Equifax mortgage with dates XXXX, XXXX/XXXX/XXXX. XXXX. Universal credit with dates of XXXX. XXXX XXXX was n't given permission to run my credit on XXXX/XXXX/XXXX. XXXX XXXX for on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XXXX/XXXX/XXXX. 

These inquiries appear on all three bureaus : XXXX, Equifax, and XXXX. 

Please have these unauthorized inquiries removed immediately.
The item below has not been verified as mines therefore it has to be removed from my XXXX and XXXX credit report. 

Show less Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$3300.00} written off. {$3300.00} past due as of XX/XX/XXXX.
1. Fedloan Serving failed to inform me that upon being enrolled in an Income Based Repayment plan that interest would be capitalized on my account and that my balance would increase by more than {$15000.00} as a result. This occurred on or about XXXX/XXXX/2016. I complained to CFPB around that time and NOTHING has been done to rectify this. My balance shot from $ XXXX to $ XXXX overnight, even after making payments on the account for over a year. 

2. I had been working XXXX jobs in 2016 and lost XXXX of them in XXXX 2016. I now only work part-time and subsequently requested that my payments be lowered based on this significant loss of income. Fedloan Servicing has refused to adjust my payments even though my income has been decreased to only around XXXX of what it was prior to losing the XXXX job. The last communication I received from Fedloan Servicing about it, I was told that I had to fully re-apply for IBR in order for them to re-calculate my monthly payment amount, even though I had just been enrolled in the IBR plan REPAYE less than three months earlier. Of course, after the fiasco I described above in point No. 1, I now know that they are requiring me to re-apply so they can again capitalize the interest on the account to further increase my balance! At this rate, with Fedloan Servicing using every tool at their disposal to increase my balance at every turn, I WILL NEVER BE ABLE TO PAY THIS OFF!
AFNI , Inc. ( XXXX XXXX XXXX XXXX ) has reported on my credit report that I owe {$250.00}. from a so called debt that I owe on a cell phone bill from XX/XX/XXXX. The date they have it as an " Open Account '' on my credit report is XX/XX/XXXX. I called XXXX XXXX XXXX back in XX/XX/XXXXwhen it was listed on my credit report and disputed that I owed them because I did n't. I paid my final bill with them when I left and moved my number and phone. ( They would n't even release my number if I had n't ). They told me that they would take care of the mistake that it was with collections. They gave me the number to the collections and I called and disputed it with them myself as well ( because I did n't trust XXXX XXXX XXXX to do it ). I was told they would research it and take care of it.
I pull up my credit report today ( XX/XX/XXXX ) and noticed that it is still on my report. I called AFNI, Inc today and spoke to XXXX XXXX employee number XXXX. He said that on XX/XX/XXXX that, " they received a message from their client XXXX XXXX XXXX that to hold off on reporting ''. ( which was pass the 30 day credit verification period and after I had called them to dispute the charges ). I asked him at that point what was the date that their client XXXX XXXX XXXX contacted AFNI and told them to move forward with reporting a collection to the credit bureau. He than stated, " well ANFI is a furnisher of credit ''. I said I never asked ANFI to furnish me with credit and the XXXX XXXX XXXX whom I did have credit with but that I do n't owe told you to hold off on reporting but you ca n't tell me a date when they contacted you to tell you to move forward with reporting. He then said that they ( AFNI ) reported to the agencies onXX/XX/XXXX. I said I do n't owe AFNI nor do I owe AFNI and you all have caused my credit score to be adversely affected by {$250.00} dollars yet have cost me probably thousands since I have had to pay higher interest rates due to this error. He said there is nothing he can due except file a dispute but I have no faith in that because he also told me that this was the first time that they have heard from me or anybody on my account and that simply is not true. I have called them complaining about this very issue before. Please help.
I have an audio recording of the entire conversation. It is too large to attach ( 27 MB ) as a file but here is the link. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have had a Citibank XXXX for years. I paid the balance off in full on XXXX XXXX, XXXX. Copy attached. I was suppose to have received a new card due to a fraud breach on Citibank 's systems. I recently received an automated call saying I had a past due balance. I looked online today and it says I still owe {$3.00}. I called and was told that the balance due in full online is not the balance due in full, there is always more interest. I do not see how this is possible, as I would be paying the balance in full and then always have more interested the following month.
Is reporting a late for XXXX account # ending in XXXX for XXXX 2017 Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX2017.  Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, 2017 only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XXXX 2017. 
But in XX/XX/XXXX2017 payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX
An ACH transfer from another account was delayed/reordered to result in an overdraft fee from a check. According to the online banking information the transfer shows as pending Tuesday XXXX, and according to the sending institution was completed by sending institution on Monday XXXX. Also, a positive available balance is shown on the account and multiple debit transactions were allowed on XXXX even though overdraft is not authorized, which also supports the accusation that transfer was intentionally delayed or reordered to generate an overdraft on the check.
citi became the new credit issuer for best buy and home depot. I was then discovered that my spending limits were slashed for no reason and was never notified. Never late with payments. I then notified citi I was cancelling this acct. They immediately shut down my on line access and since I went paperless, there was no way for me to pay my bill. I called again and they said when accounts are cancelled, so is the on line access. They then said they would send a paper bill but it would take a while. And in the mean time, they reported to the credit reporting people that my acct was 2 months late and my score dropped XXXX points, greatly hindering my abilities to obtain anything. They should have told me about shutting down my on line access when I cancelled my acct but they didnt. I am sick by what they have done to me as its taken me a while to rebuild my credit over time and they just ruined it and me. Some action needs to be taken against these criminals.
On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX I initially spoke with a lady named XXXX at ext : XXXX I told her our situation with XXXX XXXX XXXX XXXX and explained how our claims were never billed properly and now this has gone to debt collectors and affected my credit. She advised us to pay the {$2200.00} and make this go away. I got off the phone with her called my husband and we decided we would pay the amount listed above even though we were not due these charges just so this would all be done with. I called back and spoke with XXXX at ext:XXXX on XX/XX/XXXX and paid the amount in full from my debit card. The amount never cleared our bank account that day or on on XX/XX/XXXX so on XX/XX/XXXX I called my bank and they told me the transaction was declined because we have a {$1500.00} daily limit on our debit card but she could increase the amount for me on XX/XX/XXXX so I could pay the bill. I called back on XX/XX/XXXX and spoke with a XXXX XXXX at ext : XXXX and she again processed this transaction for me giving me a confirmation number of XXXX. I again never saw this amount clear the bank account. On XX/XX/XXXX I received a call from a second debt collector regarding this same claim. I then called XXXX and asked what was going on they told me the debt had been sold back to XXXX XXXX XXXX XXXX XXXX and they could no longer give many information about this claim. I asked about my confirmation number and the lady I spoke with on Friday and they said there was no transaction processed.
On XX/XX/XXXX I called XXXX  to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one on XX/XX/XXXX. I have verified this with Equifax.

I began calling XXXX  and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called Equifax and was informed that only the company can resolve it.

After many more unsuccessful calls to XXXX, I was put in touch with XXXX XXXX  in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX  at XXXX indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( Equifax ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
My debit card was suspended without notice or cause even when funds are available. I have alerts from Huntington Bank, no alert or reason was given why card was suspended. I called and the reasons given were false. I was told that some companies keep trying to charge account, I get prebilling texts from all my accounts received none from the companies they said were trying to bill me, also were billed for bills earlier in month. Non alerts or emails were sent to me which I have through Huntington services. This is a continuation of stealing monies from my account from people inside Huntington and instead of solving problems Huntington keeps covering it up. False accountability keeps happening and CFPB no longer stops this fraud from happening.
I recently filed a complaint about my mortgage company systematically trying to raise my mortgage payments. the complaint # is XXXX.They sent me an Escrow refund dated XXXX/15 for {$430.00} overage. They decided that a mistake was made on their part and decided they should not have sent me the check. They then sited that my escrow account was short, so they raised my mortgage {$20.00} without informing. Last month they sent me another Escrow overage check from the escrow account for {$40.00}. I sent them a money order for the shortage in my escrow account for {$180.00}. I sent my regular payment that I was paying also this month [ XXXX/XXXX/15 ]. They sent me a letter that I received XXXX/XXXX/15 telling me that they received my correspondence, but not addressing anything I wrote them. I am attaching the letter.
I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through XXXX. I had a recent XXXX credit score of XXXX, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I XXXX attempted to inquire with Capital One as to why I would not receive the better rate, and they said that I had agreed to the terms offered, that I should read the terms and they could not provide me any further assistance. In fact, I believe their application provides a range of APR 's until the applicant submits the application and then the applicant discovers what rate Capital One has granted the applicant. It is quite possible that Capital One has a standard that I did not reach with regard to credit worthiness. Unfortunately, I can not help but wonder who does qualify for the lower rate they advertise. With excellent credit, I would like to know why I did not qualify for the lower rate. If Capital One has a very narrow qualifying criteria for the lower rate, they should disclose what score is necessary to obtain the low rate or not advertise the lower rate. Generally, I believe Capital One should also be more transparent and forthcoming with what their standards are for interest rates for applicants.
I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX   30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.