WillisBack/dataset-financial-user-claim huggingface dataset:
Experian Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,
On XXXX/XXXX/XXXX I gave permission for Capital One Auto Finance to run my credit. I recently obtained my yearly credit report and i noticed that they ran my credit again on XXXX/XXXX/XXXX resulting in a hard inquiry on my credit report on all the major credit bureau XXXX, XXXX and XXXX resulting a drop of my score. I have no idea why they ran my credit again. I contacted them to ask why did they run my credit and that i never gave them permission and to please remove it. They stated that I need to take my name off a general pre-approval list. I have no idea what pre-approved list they are speaking about.
On XX/XX/XXXX, I read that Equifax experienced a security breach affecting 143 million consumers. I also read that they knew about this hack as early as XX/XX/XXXX, AND that 3 senior executives sold off millions of dollars worth of Equifax stock prior to this becoming public knowledge.
My personal issue, apart from obvious insider trading violations on their part, is the website they set up to see if individuals ' information was compromised.
The website, https : //www.equifaxsecurity2017.com/, has a link to help you determine potential impact : https : //www.equifaxsecurity2017.com/potential-impact/ This URL XXXX XXXX XXXX  throws off a DANGEROUS site message from major browsers ( not comforting when your information has a 1 in 3 chance of already being violated ). It also does not reflect that it is owned by Equifax in the WHOIS lookup, which also does not engender confidence in neither the site 's security nor authenticity.
By way of contrast, XXXX is CLEARLY indicated via WHOIS lookup as owned by Equifax.
1 ) Why is XXXX throwing off a DANGEROUS site message?
2 ) Why does it not clearly indicate that the registrar and owner of the site ( which asks you for your last name as well as last 6 of SSN ) is Equifax 3 ) How does a consumer actually find out if they have been compromised without having to enter their info on a site that is not registered to Equifax and a site that throws off browser security errors? Their XXXX number found here : https : //www.equifaxsecurity2017.com/contact-us/. ( XXXX ) just returns a call failed. According to the site, " For consumers with additional questions, Equifax has established a dedicated call center. The call center is available at XXXX, every day ( including weekends ) from XXXX XXXX XXXX XXXX. Eastern time. " ... I tried calling at XXXX and XXXX am Central Time ( XXXX and XXXX am Eastern ) today ( Friday, XX/XX/XXXX).
Thank you.
I requested Wells Fargo to remove my PMI since I have reached the 78 % LTV the homeowner protection act says is required or automatic termination. They have acknowledged I have met that but say since I have one late payment they can not remove it until next XX/XX/XXXX. Under the HPA it doesnt say you can not have a late payment. This requirement is also not in my closing documents either. Also they have sent me two letters that does not even mention this requirement.
Bank of America bought our mortgage many years ago from XXXX. We tried to do a mod. in XXXX and were denied. At a later date we tried to do a Mod. with the Presidents home affordable program. After almost a year of more documents needed, loan rep on vacation, wrong documents, anything to string us along they said the only program we qualified for would save us about {$60.00} a month. In the past year of 2014 we were told we missed a payment. We did a trial mod. and still they are saying we are missing a payment. I can never get the same person to talk to. My account manager is also a C S R. I checked my bank records and all payments were made on time, every month! They charge us {$15.00} for a phone payment, {$15.00} for property inspection, Hazard insurance. Mislead, misinform, drag out every attempt to resolve any issue, and make it almost impossible to refinance anywhere else. I WANT OUT OF THIS COMPANY!!!! I filed a letter of dispute with B O A dispute department and asked to check my payment history and either send me a fax detailing the exact payment we missed or send me a clean record and a letter stating such and to no surprise never received a response from them. I spoke to a C S R who said my dispute was denied and I asked her to fax me the denial. Her response was she was not allowed to. I ca n't get anywhere with the lousy company! This is nothing more than hanging a carrot in front of a horse. Very deceptive and questionable business practices. I would advise anyone potentially doing any business with B O A. DO N'T!!!!
XXXX-Apparently someone has opened an account in my name and was paying them. But it was not me I have never had a account with XXXX XXXX. I am a victim of Identity theft AMERICAN EXPRESS SERVE- I HAD FUNDS TAKEN OUT OF MY ACCOUNT THAT WAS NOT AUTHORIZED BY ME. {$320.00} WAS TAKEN FROM MY ACCOUNT THAT WAS NOT AUTHORIZED
XXXX is blocking me from utilizing external applications to manage my account. I have the right to do so.
I have made serveral attempts to resolve my issue with XXXX XXXXXXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, XXXX ), this notice includes. Basis of disputed : On XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. Transunion shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment historyXXXX XXXX shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
ARS appeared on my credit report. It shows a medical bill from mercy hospital. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked ARS for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXl really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
Citibank was ordered by the court to reimburse the over charged interest rate fees. They owed me {$3100.00}, they took the money, applied it to my balance owed on the credit card, dropped my credit card limit, they told me that it was all legal. My question is, is that legal?
This company continues to put false information on my credit report. I have a letter and emails from the Apartment Manager saying I dont owe that and also a email agreement to be let out of lease also pictures of the apartment cleaned carpet and all. I have work orders from the 2nd day of moving in complaining about the bathroom floor leaking etc I have 30 work orders that I saved also witness from the last 2 previous tenants saying they had the same issues and were charged for it when they moved out. I will take this company to court this is not right and As of this moment I am getting all the information from the judge etc pictures and all I even have live videos of the place and the neighbors as witness of how the place was cleaned and the carpet company as a witness they cleaned the carpets spotless yet I'm being charged for carpet even after I asked for an exit walk through and they refused to do so that's why I took pictures and live videos and only spoke through emails so I can have it because they never fixed anything and I knew they would scam me that's why I had the health inspectors out there. Please show me the proof of what's owed or what was not cleaned because I have the live videos and pictures and emails from the manager saying I didnt owe I have all that stuff the clerck of the courts advised me to do so this is so wrong and it's a crime to falsely bill someone XXXX for what a floor that was already messed up I have the work orders that I put in from even the 2nd day even the previous tenants has work orders that they had put I for the same floor when they lived there we could of fell through yet they want to charge for wood they should of replaced a long time ago this is wrong so guess what I am filing charges and they tell me they no longer owe this account so I will go after this company for falsifying information I took all this to the court house when. We went to court I took the complex to court so the ongoing issue is already known that's why the health inspector came out this is wrong so I am suing. This is fraud and is against the law to charge or place something on someones credit that they dont owe especially with a signed letter from the leasing manager saying I dont owe it. I am pressing charges.
XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the Chase Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a Chase customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. 
Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. 
I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. 
In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. 
A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX 
I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. 
However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. 
I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.
Throughout XXXX I attempted working with TD Bank regarding unauthorized activity on my account. I hired a private investigator who tried calling the same rep I attempted to call over 20 times, XXXX XXXX, and she didn't return either of our many calls. Ms. XXXX denied the fraud claim I brought forward and despite my repeated calls and requests for full documentation as to why the claim was denied. TD acknowledged that fraud had been on the account and for some reason they decided to deny this claim with the main reasoning that I had checked into the app. Unfortunately they never asked about the repeated times when I did try logging in and TD app would say it was unavailable. 

I was denied my Reg. E rights for a full breakdown as to why claim was denied. I also had my private investigator reach out to XXXX to explain he found malware on my computer which helped explain the repeated fraud. She never asked for a follow up. I've been on XXXX for the better part of 5 years and having money stolen along with my pay being slashed has been unnerving. The fact I've been ignored by TD has been even more upsetting. I've asked for simple checks and balances and not responding has been their course of action. I have an attorney who's done a one time consult with me who mentioned trying the CFPB and FTC since they gave some blanket response to the XXXX. That counsel has advised he'll take on my case if we're unable to make any progress here or with the Federal Trade Commission. 

Thank you XXXX XXXX
I am enrolled for health insurance through XXXX XXXX XXXX  ( XXXX XXXX XXXX ), my insurance was changed over from XXXX to XXXX starting XXXX-18. I have spoke directly to XXXX  and XXXX XXXX over this several times and my account is noted and they keep pointing the finger at the other party and telling me I need to correct the others mistakes I was billed for insurance for the month of XX/XX/2018 by XXXX even though XXXX XXXX  changed me to XXXX. I am now going on 8 months and the issue has not been corrected and I have been sent to a collection agency ( GB Collections, LLC XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) for the second time. The first time it was for almost {$2000.00} and now it is {$570.00}.
The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.
Home was foreclosed on XXXX/XXXX/2016 while file was under active review for a modification.
XXXX of XXXX I booked a hotel for XXXX XXXX on XXXX using a credit card by citibank. 
XXXX of XXXX my identity was stolen and fraudulent charges made on the citibank card. Citibank said I am not responsible and took care of it. Within a week or 2 we closed that account. 
XXXX XXXX I canceled the hotel and XXXX said they could only refund to original card so they did. 
I called Citibank and was told I would receive a check after 6-8 weeks. 
3 months later now XXXX XXXX I called Citibank and asked about the refund. They said it was credited to the fraudulent account?! How can that be if it was closed? I asked for this money and they said they ca n't do anything about it but I should contact XXXX. I did that and XXXX said the transaction was complete and Citibank has the funds. I was told to call Citibank! 

At this point I believe Citibank is the one who needs to give me my funds back. 
It seem when the account is closed they will be happy to allow money in but not out. I just want my refunded hotel amount back.
I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXXwith the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.
SWBC Mortgage - South West Business Corportation ... 
I interviewed several Lenders and informed them of my ultimate goal is to purchase a new home in XXXX, CO & need a lender that is willing to use income from my Rental properties. 
XXXX XXXX with SWBC said ; We can use Income from Rental Properties to assist with LTV and we will have all your information & documentation in our system as we move along in the process. But first, let 's start with Refinancing one of the properties. They approved me for a 75 % LTV w several stipulations, I met the stipulations but their system was not accepting them, so they had to reduce the approval to 70 % LTV. I asked what it would take to get qualified at 75 % and XXXX said ; I would need to increase my base pay to $ XXXX month. I informed him that I 'm having an annual review & expecting a substantial raise in XXXX and will contact him then to re-submit my loan. 
I received an excellent review and increase in pay to $ XXXX. I sent XXXX and copied the General Manager ; XXXX XXXX. This is the email I received from XXXX : " We are now using a new computer system and it 's been too long so we would basically need to start from scratch. We would need all new documents, appraisal, etc. 
I do n't have the capacity at this time to handle the new business so I 'm going to have to pass '' This is so 'UNPROFESSIONAL ''!! ... and wasted ALOT of my Time and Energy. 
So I contacted XXXX the General Manager to let her know how unprofessional this was and asked if she could refer me to another Originator and she started to point out all of the issues and challenges they had with the loan! ... .and when I started to tell her : I had NO idea there were issues or challenges, she started to get defensive and making false accusations at me ... I quickly realized from the reaction of the GM that I was being Profiled & Rejected due to Prejudice.
This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I have disputed it with Equifax and am awaiting a response. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?