WillisBack/dataset-financial-user-claim huggingface dataset:
Company previously responded to this issue via complaint id # XXXX but has still failed to take action based on the response provided. Since receiving the response that the information would be received from my credit files I pulled an updated version of my credit report today, XXXX/XXXX/17, and the account is now showing as account information disputed instead of being deleted from my credit reports.
HP Sears at this point has not only failed to provide validation per 15 USC 1692g Sec. 809 ( b ) of the FDCPA that this account belongs to me but they are also now setting false pretenses by claiming that information will be removed and they still take no action to remedy the situation. This action could possibly constitute fraud under both federal and state laws. Due to that fact, if the negative reporting continues on any of my credit reports by HP Sears my next step will be to review what legal actions can be taken in regards to this direct Violation of the Fair Debt Collection Practices Act.
I have attached files that show the previous response received from the company in regards to this negative account. I have also attached the updated credit report I pulled today that does n't reflect the account being deleted from the report it now shows the same negative account information with a comment added stating that the account is disputed.
On or about before XX/XX/XXXX, I called Best Buy to have my lab top fixed with XXXX  XXXX. I open up a program with XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. I called Best Buy before XX/XX/XXXX to end the program the day the work was done on my lab top and informed them I know longer wanted the program. 

However, they still billed me for XX/XX/XXXX, the day it ended, they also billed me for XXXX, and XXXX. I spoke to some many different people, XXXX, stated he saw the error in the system, but could not fix it states city bank had to fix it. Called city bank they could not fixed. Called back to best buys switch to several different people, when I complained the date was changed in the system with the code XXXX. 

When I spoke to some one by the name of XXXX she refused to give her ID number or last name. These are all the people I spoke to XXXX, XXXX XXXX, XXXX, XXXX, mgr. was very nice, XXXX, XXXX, XXXX would help but takes 6 weeks. In the meanwhile my bill is {$90.00}, that is due XXXX. BestBuy ( XXXX ) a,
In XX/XX/2016 I was contacted by Freedom Mortgage and they offered my the option to refinance my home. The suggested that we go with the XXXX as the was a quick and easy process. Freedom Mortgage continued to state that they were missing information that was provided several different times. After acknowledging that they had received the correct information they then took over XXXX days to get a loan processor assigned. We XXXX months later we finally got to the final stages and I found out my current mortgage was transferred from XXXX to XXXX. I was primsed that the transfer would have no adverse affect to me during the XXXX day grace period. I ended up making my XX/XX/XXXX payment in XX/XX/XXXX as a result of the loan transfer. Freedom Mortgage is counting this as late payment and XXXX refuses to update my records to reflect that the payment was not late in accordance with the loan transfer law. We have tried to resolve this with each bank but both are claiming there is nothing that can be done. I contacted HUD and opened case # XXXX as they claim that FHA guidelines would not block with Refi under these circumstances. I am not in fear that I am going to lose out on my current locked interest rate with Freedom. Freedom has acknowledged their errors to me as well. I did not ask for my loan to be transferred and now I am being penalized as a result. Not to mention, if loan was processed within the time frame promised, I would be in this situation. I feel some of the practices on both Freedom Mortgage and XXXX Mortgage are unfair and deceptive
My previous servicer, CMC funding sold my loan to another servicer after they knew that I was refinancing the loan. This seems like a very shady business practice and needlessly complicates the refinancing process.
I was contacted to return my leased car early to take advantage of current discounts. The sales associate was not forth-coming with the monthly payments when asked ; he did not work out an estimated cost to give me an idea what the vehicle would cost me per month. He removes your plates and cleans out your old car but you have n't spoken to the finance manager. He hides the actual monthly payments from buyer, beating around the bush by saying " I 'm getting all the discounts possible '' ; he makes you wait until near the close of business ( by then you 've been there for about XXXX frustrated and only wanting to leave ) then ushers you in to see finance manager who then dissuades you that more down payment wo n't make a difference in the monthly payment and wo n't put off his paperwork or asks your associate to get a better price for you. Because of this lack of respect for customer 's need vehicles are being repossessed ruining lives because customer feels as if they do n't have an option but to take what is being offered to them. Even though I told the sales associate what I would like to pay. I signed the contract because I thought I could not get back the vehicle I was trading in too early. I 'm a single parent with XXXX kids that I needed to get to school XXXX miles away from home. I felt scammed and lied to now I 'm being sued by this company.
I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX and Experian has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has XXXX provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but XXXX has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws
In 2010, My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) Equifax, is refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Equifax continues their noncompliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity
Enhanced recovery Has put a debt back on my credit report after Settling XX/XX/XXXX. For a debt that was NOT mine. I have attached the settlement letter for {$1500.00} They are also calling me on my cell after stating to them I have settled and I am on the DO NOT CALL list. The lady on the other line stated that NO such list exist. 

Also not only are they trying to collect a debt that has been settled it is also NOT reflecting that it is dispute on credit report This is reporting on XXXX & XXXX. Would like this item removed IMMED.
XXXX XXXX, 2011 the law showed up and our home to evict us due to foreclosure, along with my children one week before XXXX. We had fought with Bank of America for 1.5 yrs, trying to resolve when my husband and I both lost our home, we even had payoff which Bank of America refused, why, because the mortgage was wrote off and the sell of my home was profit only for Bank of America. We were told we would receive the paperwork we needed to sign and return so keep our home within two weeks, they came and went no paperwork, we called again withint two weeks, this went on and on. Needless to say we lost the home in which i grew up in and my children grew up in a house i had paid off XXXX mortgages for. Not only did Bank of America force us into Insurance that raised my payment from {$640.00} to {$1100.00} per month, they lied and would call us XXXX or more times a day or their machines would call us. We went to the debt counselors required of us and they to said we could keep our home if we followed instructions which we did to no avail. So, in the settlement we got a grand total of around {$800.00}, which was nothing more than an insult. We moved into a house which by all rights should have been condemned, we stayed there as long as we could getting together the money to move, we now live in a place that at best is barely standing, i have elderly family ( father ) that i have to stay close to. I hope anyone reading this never uses Bank of America, my husband and i both work and do not receive government assistance in any form. Yet, we have lost everything, there was nothing then nor now to help us recoup anything we lost, our credit our home was stripped by Bank of America while they gave themselves million dollar bonuses with the money i work and pay into taxes. Yet, no one was there to bail my family out. I know just in my area there were several that went through the same problems my family did. So much for the American Dream!!!
Kings Credit Services was paid in XXXX of this year for an old debt ( originating around 2010 ) earlier this year that was listed on my credit report as a result of a stipulation for qualifying for a loan to purchase a home for my family. In XXXX they served me and my spouse with a summons that they are suing us for additional old debt they found after they received the a check for the original listed debt. This collection agency never contacted us regarding any debt owed to them, nor attempted to collect it. The old debt was discovered by my lender on my credit report. Since paying them the collection agency has since filed a suit against me and my wife to collect additional old debt, ( approx : {$2500.00} in old medical services ), and in XXXX of this year listed the additional old debt from 2010 with credit reporting agencies, resulting in negative affects with our credit score. My question is if California has a statute of limitations on debt collection related to actions a creditor can take, how are they able to sue a time barred debt, and is n't that against the law? Not only that, the documents related to the medical services they sent me do n't match the amounts listed on the court summons for which they are suing me for.
I stopped using my credit card since XXXX 2017  and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees  the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should  go to their branch to  reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later.  About XXXX weeks ago   I went online again on desktop computer  to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.
First let me be clear, I 'm I am not disputing that I own the account, I am disputing the amount owed reporting and the fact Equifax DOES NOT verify with the tradeline furnisher for each investigation. I am also building a on my case against Equifax ( see case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Systems , LLC ) I Pulled my credit report this week and it only shows balance of {$620.00}. However I know for a fact that amount is not true. I have attached a screenshot showing that I paid an amount that cleared my account XX/XX/XXXX, therefore the amount showing as of today is incorrect and under FCRA this should be removed. This is the second time within a 30 day period this has happened. I have until XX/XX/XXXX to show cause as why I would like to proceed in continuing sue Equifax. This will be a reason why.
A fraudulent inquiry was made today on my XXXX  credit report by 5/3 Bank. I was alerted via a credit reporting watch I have with XXXX. A screenshot of this inquiry is below. I called with no resolution and have written a letter.

I have no open accounts with 5/3 and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted 5/3 Bank. I sent a letter to : 5/3 Bank, Attn. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Ohio XXXX specifically asking to be certain 5/3 Bank was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.
Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX
I have a hard inquiry reported on my Transunion credit report from XXXX XXXX XXXX XXXX. My children have savings accounts with this institution but I have no dealing or accounts with this bank.I have not, at any point, authorized any credit inquiry on my behalf from this institution.
I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. The following inquiries were deleted and reinserted XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I called TransUnion and Transunion gave me a file XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report. I HAVE A SCREEN SHOT OF WHEN I HAD NO INQUIRIES ON MY ACCOUNT.
I have a student loan with Navient. When I tried settleting the credit by calling their number directly shown on the website, it send me to a recover credit agency which tried to settle the account with me. I negotiated a payment plan which they advised that would bring my account current and stop the reporting on my credit. Yet, it has been 1 year, Navient still reporting my account past due and deliquent - I contacted them they advised that the account is shown settled but there is nothing they can do about the credit
My debit card was stolen. Within 24 hours the thief hit XXXX ATMs, a gas station and an expensive restaurant. Bank of America has denied the claim saying the thief had the pin and suggested that I had given it to someone, which I had not. Then BOFA said the thief did n't keep checking the balance like most thiefs would (? ) suggesting I did it? They wont even check camera activity. They refuse to provide me access to any investigator, any consistent single contact ( just a customer service associate always from some other city and state ) by first name only. I have written them ( to a fax number ). They wo n't give me any supervisor name or manager name to talk to. When I go into a branch office of BOFA, all they do is pick up the phone and call the fraud department, explain that I am sitting there asking about the claim and then they accept their measly answer of its being investigated or now, the claim has been denied. I am at wits end. Can you please help me? This was a lot of money and it was the only money I had. Now I am in dire financial straits and I am struggling. I am borrowing small amounts of money to get by on to supplement my XXXX income now until I can begin to recover from this somehow, someway. Please, how else can I get BOFA to right this wrong?
XXXX XXXX XXXX XXXX is not reporting the correct balance, last payment dates nor that the account is included into my bankruptcy. I disputed with Equifax that the information is incorrect and I have proof of the payments and the dispute results were its not listed as repo. I know its not listed as repo because it is included in my Ch XXXX bankruptcy and has received payments every month since XX/XX/2014. The incorrect reporting is affecting my ability to obtain a mortgage and Im trying to get it fixed. Equifax did not contact the creditor with my dispute. I would like this information removed as it has been reporting the wrong information for over 3 years.
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report number XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX removed. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
I have a security alarm account with XXXX XXXX that was sent to collections XX/XX/XXXX. The last bill I received from XXXX XXXX was XX/XX/XXXX and states that I owe {$210.00}. In XX/XX/XXXX I received a bill from Hillcrest Davidson stating that I owe {$430.00}. I called XXXX XXXX and asked them how much I owe them. I spoke with XXXX customer service reps and they both told me that I owe {$210.00}. I asked them why was the collections agency charging me {$430.00}. I was told by XXXX reps on two different occasions that the collections agency was charging me fees. I filed a complaint with the XXXX because this means that Hillcrest Davidson is charging me {$210.00} for fees. Harrison Davidson responded to my complaint and said that XXXX XXXX added fees to the account. I responded by telling them that XXXX XXXX told me that Hillcrest Davidson added the fees not them. I 'm still waiting for their response.