WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XXXX tax return. This information is prior to two months. I filed bankruptcy in XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX  {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.
My credit score was XXXX on XX/XX/XXXX, it has been brought down a few notches for some unknown reasons though we suspect it may have a lot to do with high potency of XXXX now available at Experian. 
Perhaps you can check and find reasons for this mystery.
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, Equifax, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
First off I would like to thank CFPB for advocating on behalf of the consumer that wants fair justice without taking the credit reporting agency, Equifax in this case to court. I have been a victim of identity theft and fraud for a number of years more recently it hit me hard after my personal identity was used without my consent checking accounts under my name were opened and some of the creditors were being paid minimum payments to continue to use the accounts for a period of time without my knowledge. Until last month I found several more accounts opened and after compliance with Equifax I sent them a copy of the requested police report and identity theft report. They had a recent data breach I was advised by Equifax and clearly by Fraud that I have been a victim. To satisfy our law makers Equifax offers a year of low quality credit monitoring and dispute representation from Equifax staff that are not even familiar with FCRA and any of the identity theft laws. Are these the people that are handling disputes for the American people? Since I have sent complaints about Equifax in the past, XXXX XXXX needs to probably probe Equifax about not complying with blocking fraud accounts they have helped to create and applaud XXXX  and XXXX  for staying in compliance.
I applied for a home loan to add approx XXXX sq ft to my property. I had my contractor submit the paperwork and drawings to Wells Fargo and agreed to have the do a appraisal. Without discussing anything with me the choose to order a appraisal from a company located XXXX-XXXX miles from my location instead of using the numerous companies located around my area that would understand market conditions and variables. Below is a email I sent to Wells Fargo, at this point the resolution I am looking for is a refund of the appraisal fee. I am even willing to take that refund in a the form of a check donation to a charity of my choice. I have not problem they did n't want to issue the loan but have a problem that they refused to consider that they appraisal company they choose to use was too far geographically from my area to accurately appraise my property. I have done research using local realtors and comparable home sales the the true value of my property as it sits today without the addition is between 230-250K. So a value of $ XXXX with addition is just plain wrong. email sent to Wells Fargo on XX/XX/XXXX I have at least three properties that show per-renovation value at between {$84.00} to {$130.00} per sq ft for similar properties. I think I found the problem. The basement is 100 % finished and is XXXX for one and his comps are not good at all. Below are three good comps. The total square foot for my house without addition is XXXX minus XXXX sqft for utility room in basement, XXXX upper and XXXX lower plus XXXX additional for new addition. So total new sq ft would be XXXX so if the value is taking conservative average of {$100.00} sq ft that would be $ XXXX. Even if you take the low end of {$93.00} that would still be XXXX. This does n't even include the fully finished garage office/man cave at over XXXX sq ft which is livable space for sure. If you add that in the value at XXXX would be $ XXXX Please advise as I am not about to pay for a appraisal that was n't done correctly and tell me that I am putting $ XXXX into a house but the value is only {$190.00} is just ridiculous. Wells fargo picked this appraiser and I would hope you help to make this right. XXXX XXXX XXXX XXXX XXXX sold on XX/XX/XXXX difference XXXX acres 1 more bathroom, 2 less bedrooms. {$240.00} XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is less sq foot $ XXXX $ XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is XXXX acres but 2 less bedrooms and 1 less bathroom and a lot less sq ft {$130.00} sq/ft {$180000.00}.
XX/XX/2018 I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( Redacted ) RE : Account # ( Redacted ) Dear Sir or Madame, I received your correspondence based on the fictitious request to pay a debt that has not been established. As I shared with your representative on multiple occasions I do not owe this debt. You sent me a ledger which is controlled by local office representatives at Residences of XXXX XXXX.Please send me a copy of an executed lease that states there is an " automatic '' charge to replace the carpet simply because there was a pet living there. 

There was a walk-through performed with maintenance the day before I moved out and due to it being a Sunday I made arrangements to leave the keys in the apartment on the air vent next to the sliding glass doors. Maintenance stated that there is no carpet damage and therefore would sign off on the condition of the apartment which had minimal customary wear and tear. 

So the long and short of this is not a ledger from the property management but a bill from the provider of the cleaning/replacement service with my former address including apartment number during the time frame within 30-days of my exit. 

If you do not provide me evidence that a neutral third-party provider billed for damages to XXXX XXXX XXXX XXXX ( Redacted ) on a valid date then I am insisting that you no longer contact me about this bill and I also will give notice to you that you have 30-days to respond or remove this debt from my credit report. 

I will be seeking the following options against you as the representative on behalf of Residences of XXXX XXXX to include : *Filing a complaint with the Consumer Financial Protection Bureau *File a complaint with the State of Illinois ' Attorney General *File a complaint with the Better Business Bureau *File a civil suit in state court for damages of up to {$1000.00} I appreciate you expedited response to this request and I am sending you back your correspondence as it lacks no breakdown of charges. 

Respectfully yours, ( redacted )
I was an authorized user on this account. I filed a personal bankruptcy in XXXX and including this account. It is currently showing open and in collections. Also the company has reported to the credit agencies that the last deliquency was reported in XXXX which is also false. The last date of delinquency was in XXXX XXXX. It has been over 7 years, this item should be removed from my credit profile based on the all the facts above. 
1. I was an authorized user2. It was later including in a Bankruptcy3. It is pass the statue of limitation of 6 yrs to collect and 7 years for derogatory credit reporting. 
I have tried every I know how for several years to get this deleted from my credit file with no resolve. Please assist.
On XX/XX/XXXX when shopping at Macy 's my purchase was charged to the account number XXXX. I have never received a card with this account number, this is not my account. My Macy 's credit account is XXXX, which I pay online, promptly, always. 
On XX/XX/XXXX I began receiving Macy 's Account Statements and phone calls regarding Act # XXXX being past due. I responded by calling the customer service # XXXX to get my original charge applied to my Act # XXXX, have the past due charge removed, and have my name removed from this Act # XXXX that is not mine. I refused to make a phone payment as when I had done so in the past the phone payment was not applied to my Act # XXXX. 
On XXXX, XXXX I received a letter from the Citi Card, for Department Store Nat'l Bank collections recovery. I called and submitted a written explanation of the circumstances regarding Act # XXXX, only to receive another letter from the Citi Card, for Department Store Nat'l Bank collections recovery XX/XX/XXXX and again XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX regarding Act # XXXX and began a series of call and correspondence with them. On XXXX/XXXX/XXXX I paid the undisputed amount of {$410.00} through XXXX. On XXXX/XXXX/XXXX Macy 's recalled the dispute and I have continue phone and correspondance every 2 - 4 weeks with the response from them always being it will take 15 days, 30 days, or 60 days for them to review the dispute.
TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered
I have been contacted by XXXX XXXX XXXX about a credit card that is in my maiden name and the last XXXX of the social match mine but it is not my credit card. The bank has turned it over to XXXX XXXX XXXX but it has been linked to the wrong person.
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I would like to increase my bank of america credit limit so that my credit card utilization is under 30 %
Invoice # XXXX from XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX XXXX
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX To Whom it May Concern : XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX
On XX/XX/XXXX, I noticed an unauthorized charge on my checking account, ( by accessing online banking ) in the amount of {$79.00}. The only description is " XXXX XXXX XXXX XXXX ''. I immediately notified Chase and reported the charge as fraudulent. They initially issued me a credit. Today, XX/XX/XXXX a full seven weeks later, that initial credit was reversed, creating a negative balance. I once again called chase, and was told that they contacted the retailer, and the retailer provided evidence, such as my name and address and delivery date, sufficient enough for chase to determine the charge was not fraudulent. WHAT?? If someone, somehow obtained my debit card number, with it in my possession, is it really a quantum leap for the fraudster to also have other personal information about me??
On XXXX XXXX I purchased an auto from XXXX XXXX. At the time of financing they ran a unauthorized credit search to a number of finance companies. My credit report list four ( 4 ) inquiries on the same day ( XXXX XXXX ). I have asked TransUnion to remove these unauthorized inquiries.
I submitted an automatic payment through bill pay twice on accident. XXXX for XXXX/XXXX/16 amd XXXX/XXXX/16. I also sent the payment to a wrong loan number. I Called pennymac to get refund on XXXX/XXXX/16. They notified me they have received the XXXX/XXXX/16 payment but do not see my XXXX/XXXX/16 payment. I have called them multiple times to get this resolved. The bank confirms pennymac has the funds but pennymac will has not located it and refuses to help me.
Bank wire deposit on XXXX-XXXX-17 and the money was never a credited to my account on coinbase I 've numerously emailed support and they 've never responded except for automated emails and it 's been over a month call the bank in XXXX XXXX XXXX a week after the bank wire deposit and they confirm that the money was deposited in New York but yet coinbase will not credit my account as far as I 'm concerned it 's wire fraud the amount of the bank wire deposit is XXXX
I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from XXXX if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017, 10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
On XXXX XXXX, 2016 after a long day at work, I received a notice in the mail from ( Hillcrest Davidson & Associates, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) ( phone # XXXX ) a debt collection notice, I was unaware of this bill so I made a phone call and a person on the phone name ( XXXX ) this took place around XXXXXXXXXXXX, after he told me the bill was from ADT I recall having the alarm system put in. I continue to tell him the bad experience we had with XXXX, and I also mention that it is noway that I could pay this amount of {$1300.00} I asked him was it anything that could be done to resolve this, because my husband had XXXX back in XXXX and has been out of work for a long period of time and we had just XXXX income coming. He began to go and tell me with what he was reviewing my credit that I had money to pay it, because of the credit cards I got, I told him I did n't know what he was talking about, and continue to tell me my history with XXXX at this time I was getting a little furious with him. During the conversation he made a statement which I took very personal and for him to be a customer representative on the company behalf it was very unprofessional. He stated that, " people like you need to pay your bills '', and " we all know what its call for people like you that do n't want to pay your bills '' as I can recall this " section 1692D '' ( 2 ) prohibits the use of obscene, profane, or abusive language. Abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets. Which I took very personal and offensive. 
It 's nothing wrong with being contacted regarding a debt you owe. But to be so rude, I ask numerous of time, are you sure this phone call is being recorded. There should be a recording of this I would like to formely file a complaint against this person because he has no right to express his personal opinions and to be make racial remarks stating " YOU PEOPLE '' totally unfair in my opinion.
On XX/XX/XXXX I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) in regards to a letter dated XX/XX/XXXX advising that I had 30 days from date of the letter to take advantage of a {$390.00} but sold the account to XXXX XXXX XXXX on XX/XX/XXXX. when I called to pay the account I was told " it was sold and the could not honor the offer '' I asked why would a settlement offer be extended, consumer calls to accept within the terms of the offer ( 30 days would be XX/XX/XXXX ) but not accept. I believe this letter was sent erroneously since XXXX XXXX didn't agree to the terms of this letter. I feel that this account could've been recalled from XXXX and handled internally with XXXX as I called within the allotted time of the offer letter. It is also my believe that XXXX is doing this to THOUSANDS of consumers which cause another derogatory trade line on consumers credit reporting.
I have been accessing my account normally for the past year except now for the past week ( XX/XX/2017 ), the key.com website does not open and consequently I can not log in to my account. The notice given is " Error has occurred, page can not be found or does not exist ". For the past week I have been in touch with Key Bank Customer Service with out result. I live in XXXX XXXX, XXXX, and checked in several other States all resulting in the same problem. The conclusion I have come to is that there is a problem with the key.com website that does not allow it to open in XXXX.
I notified equifax of three unknown accounts on my report about 2 months ago. The sent an email response that said the investigation was complete about a week later and asked me to go to their website to check it out. I can not get into their site anymore. It asks security questions I have no idea what the answers could be, about addresses and car loan and such. As far as I can tell by using XXXX XXXX, they ignored my problem because the three erroneous accounts are still showing and then they locked me out of their website. These accounts appear to be for medical bills in a state where I have never lived for things I have no problem with ... XXXX  ...
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.

1.XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX   5. XXXX XXXX XXXX
After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted Experian, XXXX and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CDIA requirements!
XXXX Account XXXX, Acct # XXXX amount XXXX XXXX/XXXX/2013
First of all the number they are calling is a business and does not have a Citibank account. Our company is XXXX XXXX XXXX. We continue to get automated calls telling us this is in regards to our Citibank account ( which they never identify ) and that we are to call XXXX where anyone can help us. I called them and asked them to quit calling us - but it continues. They will not tell me anything about the account, so there is no way for me to stop the calls. I get anywhere from 3 - 5 a day. It 's getting really annoying and disruptive to our business. If there is any individual account that has this number listed as it 's contact number - it needs to be removed because it is a business number, not a personal number.
I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with Equifax XXXX and the Federal Trade Commission. On numerous occasions, Equifax XXXX has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : XXXX XXXX XXXX Collection accounts that were not opened by me ( XXXX XXXX Credit inquires that I did not authorize. 
( XXXX XXXX Addresses in multiple states that do not belong to me. 
( XXXX XXXX Social Security card numbers XXXX XXXX XXXX Date of births including years XXXX XXXX XXXX Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!