WillisBack/dataset-financial-user-claim huggingface dataset:
This is a formal notice of dispute regarding information that Bank of America sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Bank of America report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX.
I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX.
About 2 years ago the bureaus dropped my credit score from about XXXX to the low XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
I obtained a secured credit card from WELLS FARGO in 2014. This secured card was for the amount of {$300.00} I obtained this card under the guise that it was a tool for rebuilding my credit and that if i used the card an made my payments on time that the limit would go up and that that it would become a regular credit card. I have had this Wells FARGO secured credit card for over 3 years. in that time i have never made a late payment nor even so much as waited for my bill. In fact I have, consistently, paid this card off in full every month. <P/>
I have patiently waited for Wells Fargo to increase the amount and return my {$300.00} as promised for proper usage of this card. Instead i have been paying annual fees as well as usage fees and and exorbitant cash advance fees for it when it covers as overdraft protection for my well bank account. ( I have another credit card from XXXX XXXX that i obtained well after the Wells Fargo card and it was almost immediately increased and no longer a secured card. over a year in fact. ) My main problem with Wells Fargo, this card and their inappropriate action is : I am currently attempting to purchase a home. i have learned that this card has actually been detrimental to my credit and credit score due in fact to none other than its minimal limit. I. E. I rent a car for the weekend and it costs me {$160.00} however XXXX puts a standard {$300.00} hold on any card for security purposes. Well this shows on my credit score as exhausting my available credit resources, or at the very least exceeding the preferred 30 % usage of available credit. having and using this card regardless of payment history has held my score back not improving it. ( by the current standards the only way that this card would improve my limit is by my having it, paying fees for it but never using it! ) What has it done to those less fortunate and with less income who could barely afford the {$300.00}. to start. How much money and fees have i paid for the usage of my own money.
XXXX XXXX president XXXX XXXX, and manager XXXX XXXX, have been ongoing threats and selling my private info from these debt collector agencies, stealing identity and started services in my name. Coercing & extortion of government funds after filings of XXXX, then selling info out to criminals. Ongoing harassment some of XXXX nature threw internet & out in front of my rental places. After XXXX move to rental units next door to me, threats & XXXX harassment begains, inflicting moving cost on me time n time again. Lying to court judges & stealing money orders n checks made out to me cashing them.
My direct deposit was processed and sent to Amex serve on XX/XX/18. I spoke with the CEO of our company whom confirmed with the bank that it was sent over to American Express Serve and they accepted it. 

This is the third time this has happened. The second time it happened i waited 7 days for my money and American Express deposited {$50.00} good faith credit in my account without speaking to me and sent me a letter of apology. This time i am afraid as i have rent to pay in less than 48 hours. I am in tears and i cant get through to anyone in customer service i have been trying since yesterday.
Navient Account # XXXX has 7 loan numbers loan numbers on which I have been making payments for ~2 years. The balances are now HIGHER than they were when I started. Navient can not explain this other than to provide me their formula which apparently would have me paying them forever.
XX/XX/XXXX I see Alliance One reporting on my credit report so I call to see what this is for. At that time I explained that I had filed this undee my chapter XXXX Bank Ruptcy due to a XXXX party making arrangements for payment. I gave my current address and phone # and ezplained that I needed to talk with my Bank Ruptcy attorney before doing anything. Instead of contacting me for payment or to make payment arrangements they proceeded to garmish me with out notification or being served even though they had MY CORRECT ADDRESS OF XXXX XXXX XXXX XXXX & phone # of XXXX XXXX XXXX for the past 8 years but swnt to an old address in XXXX instead. Then again in XXXX XXXXsame issue they requeated a garnishment without notification in which adding more fees & interest. Made pymt arrangements of XXXX to be paid if I could every week feom spouse pay check but forsure mine every 2 weeks. I made XXXX pymt XXXX and XXXX. I had called swveral time to make a pymt but they required the address of my bank whixh I did n't have so was told to call back had offered to do a debit payment for a lesser amount till i could get funds deposited and again they told me to call back when I had the full amount but instead they submit anothwr garnishment without notification no call no letter by mail requestong a payment EVER. So now more fees etc to pay. I let it go till I see that my payroll dept would continue ti pay the wrg amt subited in XX/XX/XXXX due to payments made not being ctedited to acct before subiting a XXXX garnishment. I fileed a precious complaint in which was able to have the company stopped the garnishment being the balance should have been paid in fulll if the attorney fees etc had not been addes again. If there was a balance oweing they should have contactef me be phone email or mail they had all this information BUT THEY HAVE CHOSEN TO FILE GARNISHMENT AFTER GARNISHMENT in which I FEEL IS A SHADY WAY TO ADD FEES TO PUT MONEY IN THEIR POCET. INSTEAD OF appling pymts made ro the court fine they have taken an applied it to thwir feesnand services as showen in attached info. I have been requesting since the XXXX call I made to this company a beginning balance showing payments made ro tje original creditor which is part of ALLIANCE ONE but to luck I have never received any of this information to this day just the bal they placed ony credit report. This companys collections pratice s hi puld be investigated to how they can just file garnishment after garnishment without notification. This causes the balance to continue going up and nevwr be paid off. So a remaining bal of XXXX is what they show and added MORE INTEREST FEES ATTY FEES AND XOURT COST JUST TO GWT MORE MONEY. Im currently on short term XXXX and they have garnished my check in rhe amount of XXXX. I fewl this ahould be it which is still more rhan what I owe. I KNOW I HAD FINE BUT TRULY THOUGHT WAS INCLUDED WITH MY BANK RUPTCY. IF THEY WOULD HAVE JUST CONTACTED INSTEAD OF GARNISHING ME WITHOUT NOTIFICATION I COULD HAVE TAKEN XXXX OF IT QITH A PYMT PLAN AND IT WOULD HAVE BEEN ALOT LESS THAN IT IS.
We applied multiple times for Capital One XXXX XXXX account online, and we keep being declined. When we call customer service, they can not provide us a reason on why we are being declined, and they keep telling us they are going to send us an e-mail. I was escalated to a supervisor, and got the same run around
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
FCO has been trying to collect money from me for an apartment. they state that I owe XXXX I have made several attempts to inform them that I don't owe the debt. I recently contacted them to once again dispute the information. they informed me that they sent the information to there clients and its no telling when the client will get back to them with the response. I asked them if it was a timeframe for the client to answer they told me know. I want my account updated and or deleted because I don't owe the debt they are claiming.
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX -XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX- XXXX XXXX- $ XXXX- $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XX/XX/XXXX. The wage earner case number I was discharged from in XX/XX/XXXX is XXXX. Originally filed XX/XX/XXXX-discharged XX/XX/XXXX. I paid the courts {$18000.00} in XX/XX/XXXX from a settlement I received from a XXXX XXXX law sue I filed in XX/XX/XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX XXXX began to prepare my death.
I have sent various dispute letters via certified mail to have this debt validated or to be removed from XXXX. This item has been removed from XXXX XXXX and XXXX   months ago because they couldn't validate the debt. Please delete asap.
Complaint #  XXXX  - I have not received any documents from my request of  XXXX   XXXX ,    2017  this is an QWR and Debt Validation request sent to  : OCWEN Loan  Servicing, LLc and  XXXX   XXXX   XXXX .     No answers just copies of a appraisal and copy of the canceled Note? This is not the answers asked under the QWR and debt validation letter sent to both companies. This has been ove r one mon th now.     Complaint #  XXXX  - No answer yet to my question. This has been over 1 month now.
AE ( aka Synchrony Bank ) has called my phone 6 times today in an attempt to collect on a past due balance on my card of {$95.00}. They called at XXXX, XXXX, XXXX, XXXX, and XXXX
suburban credit corporation is pursuing medical collection accounts past the statute of limitations by the State of Virginia. 

Suburban Credit Corporation is pursuing medical collection accounts after they have been discharged by Chapter XXXX Bankruptcy Courts/
I have disputed information with XXXX credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.
I had my Bank of America XXXX card denied at XXXX websites. 
So I tried to call BOA 's card services number on my card. 
I have done this before and contacted an agent in minutes. 
For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. 
No info on denied transactions. Option to talks online. 
given a code and number to call to enter code to get online. 
Call number and no option to enter code or talk online. 
Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. 
Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!
We opened an account with Wells Fargo in XXXX when we purchased our home. This was a Purchase Money Second and we have had the account with Wells Fargo for XXXX years. 

This account had a Balloon payment due XXXX XXXX, XXXX and we were notified by Wells Fargo prior and responded to them to refinance the second mortgage. Wells Fargo came to us on XXXX XXXX with an offer to amend/extend the existing Home Equity loan. We agreed to the terms and were told that it would be a quick process. We asked about payments and they said they would n't accept payments while this was being done but not to worry it would be a quick process. 

This process took Wells Fargo over 60 days to complete and in the meantime the placed a 30 day and a 60 day late payment on our credit report. In the 30+ years my wife and I have had credit we have NEVER had a late payment on anything EVER! This took our credit scores from over XXXX to the mid XXXX. Unbelievable. 

We worked with someone in their Home Equity dispute department who told us that their delays internally are not Wells Fargo 's problem that Wells Fargo is required to report those late pays even if it was their internal delays and they would n't accept any payments until Wells Fargo was done on their end. 

We have enough money in our retirement accounts to pay this loan off in full if we knew that Wells Fargo was going to place mortgage late payments on our credit. Now we are stuck because no one will extend credit with those late payments on there and Wells Fargo wo n't admit their wrongdoing. 

Our next step is to hope many people with the same experience respond so we can start a Class Action Lawsuit to resolve this issue. It seems the only way that Wells Fargo responds to or helps out their long customers that they have hurt. Please respond if you are one of their customers experiencing this issue or if you are an attorney that would like to represent this case for us and others. If you are Wells Fargo please do the right thing and fix your internal error that is costing my wife and I thousands of dollars by not being able to obtain proper credit terms.
I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.
I was late ONE TIME, by ONE DAY, and Citi has increased my interest rate from 14.49 to 29.99!! ONE DAY LATE! When I called in, they indicated that they wouldn't do a thing for me for six months. This is UNACCEPTABLE! This kind of financial terrorism should not be allowed by Banks. It's completely unreasonable and I want this adjusted back, immediately.
Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX
Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!!
I have a a unverified account from FAIR COLLECTIONS & OUTSOURCING. I had previously disputed this account. I have never done business with FAIR COLLECTIONS & OUTSOURCING # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FAIR COLLECTIONS & OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FAIR COLLECTIONS & OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I am filing this complaint because Equifax | XXXX XXXX | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.
I need help with BMO Harris suspicious account activity. I have had 2 loans with Bmo harris for many years. 2 Mortgage loans. I went through a bankruptcy in XX/XX/2009 and reaffirmed on both loans. I have been making 2 monthly payments and I have recently tried to refinance with a different bank. I just found out that the 2nd loan has been sitting in a bankruptcy hold account and my payments have not been being applied to this loan. And on top of this they have applied over XXXX in Late charges to the account with out contacting me of any problem. I asked the representative why I was not contacted and she said because they can not contact an account in bankruptcy. The acct has been out of bankruptcy since XX/XX/2009. PLease help me.
On XXXX XXXX 2016, i receive a phone call from the postal unit stating that the company ConvergentbOutsourcing was sending a bill in my name to approximately XXXX diffrent address that I have no affliation with. Dated on XXXX XXXX 2016, in the amount of XXXX, which i had no knowledge of, nor had time to dispute the transcation. I am asking for the company to send me validation of the debt, and i am also disputing the debt. So i decided to file a compliant. Which was sent to the previous address, where i did not live. I do not owe a bilk from comcast. The debt is not mines
wells fargo is damaging our credit by stating we are behind on our mortgage when we 're not.rreason for this is because they claim they under estimated our escrow account but never sent us any notification of this! we contacted wells fargo to see why we keep receiving notifications that we are behind on our mortgage, the customer service rep explained, did a conference call with a rep in the escrow dept & he verifyed this information as well that nothing was ever sent out to us regarding a mortgage increase because of our escrow.this is just XXXX of the many problems weve had with wells fargo being misleading, dishonest, unfair bussiness practicing & not upholding to their introduction on their customer service line when it comes to calls are being monitored & recorded b/c most of the customer services never document anything especially if wells fargo is in the wrong! i dont think this is fair that we the customer has to pay in so many because of their noncommunication, miscalculations & common sense should tell them that if a customer is paying their agreeed to monthly payments, then maybe there is a issue that needs to be addressed XXXX instead of slamming a customers credit!
XXXX is reporting a debt on my credit file I do not owe. I have never received any phone calls or anything in the mail regarding this debt. I can not verify this debt, and I am not sure why this debt has been added to my credit file. This is in clear VIOLATION of my 30 days right to dispute.