WillisBack/dataset-financial-user-claim huggingface dataset:
Disputing : Account : XXXX XXXX  On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with XXXX XXXX who is reporting negative information to my credit profile. In my first dispute, Transunion and XXXX XXXX failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter.

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer  contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Transunion and XXXX XXXX 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to Transunion on XX/XX/ 2018.
On  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.
Accounts ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiries ...

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   EXPERIAN XXXX XXXX XXXX XXXX I'm the victim of identity theft. I have disputed several times with Experian regarding the above mentioned accounts and inquiries. A fraud alert has been placed on my report. I've also filed a police report.
They have collected for over 10 years and never applied any amount to principal. They only applied to interest and fees. How is this possible?
Sebonic/Cardinal financial keeps delaying loan closing and asking for documentation I 've already sent multiple times. They then keep adding rate lock extension fees for the delays because they wo n't acknowledge the paperwork I 've already sent. Even after they have acknowledged that they have all paperwork, they come back with more questions right before closing and then use this as an excuse to add additional extension fees. They know that it will take me 30 days to get another lender to finance the property so I have no recourse, but to pay their increased fees or lose the house.
I need this company to take this fraudulent account off my report I have reached out to them and have not gotten a response, I never opened this account and have send many letters fax and emails they have failed to reply to me and its because they dont have the documentation bearing my signature that I asked for ....
this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks
I filed Chapter XXXX wage earners plan and according to my lawyer, the Credit reporting agencies should report discharge debt as having a XXXX balance and state discharge, bankruptcy or similar, according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ). They are showing these accounts with balances and some with stating past due. I have been on the wage earners plan for 1 year and have paid on time. I am trying to pay, fix and rebuild my credit however, the debt I 'm now paying on time via my wage earners plan is still showing on my report like I have a balance with these companies.
I had a loan with Mercedes-Benz since XX/XX/XXXX. I never had any late payment. I paid off the loan in XX/XX/XXXX. Somehow Mercedes-Benz put a Repossession on my credit report. I contacted their financial department and told that I have to hire a lawyer to fix this issue. I never pay late and paid off already. I don't know if I should spend money on hiring a lawyer to fix it.
there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage XXXX XXXX XXXXXXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my XXXX cont to do negative reporting XXXX wont forgive me either, honda finance took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX
Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days,  amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.
Dear CFPB, This complaint is a follow up complaint to these two, which you have marked as closed but have never been resolved.
XXXX XXXX Citigroup insisted that I complete, at my time and expense, a Power of Attorney, before discussing with me, their establishment of a very large credit line in the name of my XXXX XXXX wife. I did this as they requested and send them the documentation in early XXXX.
Instead of contacting me, they are now calling my wife, who is XXXX XXXX. The whole point of getting the POA was so that they could discuss with me, but they are going around my back and not honoring the terms of our agreement to date.
Please have them contact me as was our deal from the previous complaint.
XXXX XXXX
We contacted you on XXXX/XXXX/XXXX with concerns with Bank of America not willing to work with us and we were assigned complaint # XXXX. We were contacted by XXXX XXXX with BOA on XXXX/XXXX/XXXX to say he would be getting back with us within 1 week. We did get a call back on XXXX/XXXX/XXXX to say they still needed more time. I also called XXXX on XXXX/XXXX/XXXX to let him know our closing date is being moved up to XXXX/XXXX/XXXX so we need the payoff right away. We were trying to be understanding but we really do n't understand why it would take this long to give us a payoff without the late payments and back interest. We also requested to have the late payments removed from our credit with the payoff so that we will be able to purchase another home. 
I could not believe the doorbell rang and it was a certified letter from a foreclosure attorney representing Bank of America and the letter was dated XXXX/XXXX/XXXX, We 're attaching a copy for your review. This is definitely another indication of the way BOA treat their customers because while XXXX is on the phone telling me they need more time we get served these papers so what is the more time for. As we stated in our initial request BOA had no intention of helping us when I first contacted them XX/XX/XXXX because the first thing we requested was an extension on the balloon payment to give us a change to sell the house and we were told no. Now that the file is with an assigned foreclosure attorney this is damaging our credit even further and keeping us from home ownership. This more time is an excuse and we are scheduled to close on the sale of the home on XXXX/XXXX/XXXX, so we really do n't have more time we really need help now from someone who cares
Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.
I have contacted credit reporting agency Experian multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as asccount veryfied, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Experian is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.
I have a negative item on my report that is being reported twice under a similar name. I sent a dispute on XXXX/XXXX/2015. I received a reply dated XXXX/XXXX/2015 stating that the item is " currently being reported as a single item '' however, a report run two days after the date of their letter shows it still being reported twice.
I TOOK OUT A PERSONAL LOAN WITH MY BANK ( WELLSFARGO ) AND CAN NOT PAY I AM WORKING WITH A COMPANY TO PAY DOWN MY DEBT NOW MY BANK HAS FORCED A PAYMENT AND OVERDREW MY ACCOUNT WITHOUT ANY KNOWLEDGE OF THE PENDING DEBT OCCURRING, I FOUND OUT BY LOOKING AT MY BANK STATEMENT AND THEY HAD TAKEN A SUM OUT, I CALLED CUSTOMER SERVICE TO REPORT IT AS FRAUD, SINCE I HAD NO KNOWLEDGE NOR ANY WARNING OF THE TRANSACTION AND WAS GIVEN A CLAIM NUMBER AND A BLOW OFF GOOD BYE, ESSENTIALLY I WAS LIED TO THAT THEY WERE SENDING THE CLAIM TO THE CLAIMS DEPARTMENT WHICH I DOUBT. AND I HAVE BEEN WITH THE COMPANY SINCE 1999. I CAN NOT EVEN CHECK THAT THE MONEY WENT TO THE LOAN SINCE THEY HAVE TAKEN IT OFF MY ONLINE ACCOUNT SO I REALLY DONT KNOW WHERE THE XXXX WENT EITHER.
To whom it may concern, I received a copy of my XXXX and XXXX report and notice that XXXX XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX  removed the account from my credit profile.
They call every day 3-4 times! I get their emails. I get so many calls while at work. This is unnecessary!
I had a XXXX in XX/XX/XXXX ; on the same day, someone had a XXXX at the same facility. I paid in full, in cash, on the day of XXXX. Over a year later, the facility merged the liposuction patient 's account into mine and began billing me nearly $ XXXX for a XXXX I didn't have. I contacted them and sent a copy of my receipt, my admission form, and even an affidavit from my surgeon that the XXXX I had was a XXXX. They simply took the receipt for my payment and deducted it from the amount owed for the other patient 's liposuction and billed me again. I responded every time, sending the documents over and over. In XX/XX/XXXX, the facility sent the account to Credit Counsel , Inc . Same routine -- I sent the same documents in response to every contact, including the statements from the facility showing that they were billing me for a XXXXy when I had a XXXX. This week I tried to buy a house, and my credit report had dropped from XXXX to XXXX because the debt collection agency had filed a negative report despite having received proof that the debt was for a different XXXX than the one I had. I called the collection agency this morning, and they said I owed {$200.00} for overtime for a XXXX, but I had sent them the statement from the facility showing they were billing me the balance for a lipectomy. In sum, and despite proof that this is not my medical bill, I have been denied a mortgage because I would not subsidize a stranger 's XXXX removal.
On XX/XX/18 I made several calls to the bank to close my account and all representatives spoke to refused to close my account without me paying the outstanding {$18.00} XXXX XXXX membership fee first. I stated I did not wish to keep the account open, so close the account, which every representative I spoke to on the phone refused too do.
Been paying monthly and submitted proof to Navient and still receiving harassing letters threatening to send me to collections, which they have been continually doing regardless of my payment history. As of yesterday I tried to call to get an explanation only to be given the runaround, put on hold for long periods of time, and ultimately hung up on. Navient allegedly increased the amount of my monthly payment but I never received any notification regarding this.
I leased a XXXX XXXX XXXX on XX/XX/XXXX. My lease expired XX/XX/XXXX. I returned the vehicle to a XXXX XXXX XXXX representative in good condition. i have pictures and video of my vehicle with the rep in the video confirming the car is in good condition. I also took my car to XXXX XXXX in XXXX XXXX, CA XX/XX/XXXX for a check engine light problem. They kept the car for a few days and they said everything was fixed. I have a copy of the invoice. Today i received a {$440.00} invoice from BMW Financial claiming the vehicle had problems. on XX/XX/XXXX I called BMW Financials at XXXX. I was on hold for 2 hours and finally i spoke to XXXX  explaining my situation. she could not help me so i was transferred to a supervisor and he could not help me either. They claim that the car has mechanical problems and i have to pay {$440.00}. 
Please help me solving this issue.
This collection company by the name of " Asset Acceptance LLC '' has been using " scare tactics '' by threatening to sue me when my debt is way past my states Statute of Limitations. I wrote them a letter stating to them that what they are doing is illegal and that I am willing to take action against them with my legal team. Instead, they sent another letter.
I disputed a past due amount on my credit report for the XXXX XXXX  company. I disputed in XX/XX/2018, and I sent additional proof to Transunion in XX/XX/XXXX and XX/XX/2018. I also called and spoke with representatives of Transunion, and provided proof that one of the other credit reporting agencies removed the account of their report for me, due to the error. Transunion has not followed through and have failed to properly investigate and remove/correct the Account due to the error. I have also made a screen shot of Transunion 's own payment history for me on this account, keeping the past due balance the same. At this time, the account is paid off, and the past due amount was in fact paid when the first dispute was submitted.
XXXX XXXX has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Discover card lowered my credit line on or about XX/XX/XXXX without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about XX/XX/XXXX Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on XX/XX/XXXX when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since XX/XX/XXXX with no late payments, missed payments, etc.
I sent certified letters to Experion start date wasXX/XX/XXXX, then againXX/XX/XXXX, after I seen nothing was done or any response, they didnt even initiate consumer dispute on any inguiries that were done without my knowledge as was said in the letters I sent, I now am done with asking for Experion for help that they are supposed to give me by law, ..Inquiry dates start withXXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX ...XX/XX/XXXX XXXX  XXXX..XX/XX/XXXX ....
I received an unauthorized charged to the account. When I attempted to do a transfer to the new account number, the associate attempted to close the account and open a new one. This is not the normal process for Wells Fargo. I asked her not to do so and to instead do the process I requested. She did not and instead proceeded to close the account and put a hard hold on it. When I attempted to resolve it with multiple associates none were willing to take the steps necessary to resolve the issue. Instead they asked me to go into a branch and open a new account.
I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. 

Please contact me at the XXXX year old number. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX
Someone is checking on my account at XXXX and emails using my account online for selling stocks and converting my money into stocks and turn into points and credit points as well thank you very much
There are 4 accounts on my credit report that i have never opened cor applied for credit with.

I contacted the companies ( chase, XXXX  XXXX & XXXX ) directly as well as XXXX  XXXX   amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.
I did a dispute of inaccurate information that is reported on my credit file. On XX/XX/XXXX, XXXX XXXX Account number XXXX was listed on my credit file. I disputed and it was under investigation. After investigation, Equifax removed it from my file on or around XX/XX/XXXX. On XX/XX/XXXX Equifax placed it back on my credit file. This needs to be removed immediately from my file. I have attached proof.