WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I sent letters of dispute under section 623 of the FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
Credit Acceptance has continued to try and collect on an account that I was told by a representative from their company that I was no longer responsible for. Upon receiving correspondance from another representative from this company, they try to act as if now they never told me that I would no longer be responsible for the balance owed after I returned the car. They have also been engaging in some unethical practices such as removing the entire balance that I do not owe after I disputed this account and then went back and changed the amount owed to {$3700.00}. If i was verbally told that the balance would be forgiven I feel it is very unethical for them to now go back on their word and try to recollect this money. I also do not appreciate the fact that after disputing this account, they reported the balance as {$XXXX}, and then went back and reported the balance as {$3700.00} as well as reporting several late payments, a repossession status and adding derogatory marks to my credit report and causing a large drop in my credit score. This is an example of them reporting incorrect information which is grounds for removal of this account. This car was voluntarily returned to them by me, so them changing the status to " in repossession '' is them lying. I believe that they are doing this to be spiteful and retaliate for me filing a complaint and I would like them to stop reporting this negative account to my credit profiles. I have attached a picture that I took from my credit profile showing that the account balance was reporting as {$XXXX} and then they went back and began reporting it again as {$3700.00}, which I know is illegally reporting inaccurate information and I want this account removed. By law, they are required to remove this account and I will hire an attorney if I need to.
Yesterday morning XX/XX/2017 I received a harrassing call from a lady stating she was calling on a debt for Check into cash. She advised me I owed XXXX and wanted to know how I was going to take care of this debt. I advised that at this time I had No way of being able to make any type of payment on this account because I had been fired from my job while XXXX. She said that I needed to do something because they were going to take legal action against me. She then said what about your XXXX you own XXXX XXXX XXXX. I told her I had n't had that business for years. She then said I needed to call my father to get the money from him and that he also has a business called XXXX. I told her my father is in his XXXX 's and that he owns the home I live in and has been letting me go without paying rent because of my situation and that I would not call him to get the money to cover my debt. She mentioned him at least 3 times in the conversaton to cal and get the money from him. I was very upset at this time and told her again I would not contact him and again I had no money. Advised I could n't even pull my vehicle out of the garage becauseI had No gas.She said well I have no other alternative. I will let them no so they can proceed with the legal action. About 10 minutes after hanging up with her my Step mom called and said this lady had called them advising there was a claim against me and that they needed to help me with it. She brought upMy dads business to her as well and my step mother said he is retired and only keeps the license up for his self. The lady said she could n't disclose the full details of the amount needed on the claim but told my step mom to call me and give her permission to find out the claim details. My father is not in good health and this was very upsetting to both of them as well as it was upsetting to me. Neither of them were on my listed contacts an they should not have been notified and harrassed. I am in a hard situation right now because of my job letting me go and waiting on unemployment if approved. The phone numbers this lady called from was XXXX and gave my step mom this number to call her back on XXXX ext XXXX I called te lady back on the XXXX number and advised her she had upset my father and she had not better ever call them again. I also advised I was turning her in and she said to turn her into who ever I wanted she did nothing wrong. Bank was XXXX
XXXX University XXXX XXXX has false reported to Equifax a {$0.00} charge off balance on my credit report when confirmed by a previous cfpb case that their entity was deleted XXXX XXXX, 2015 and now are illegally allegending claim once the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.
In XX/XX/2017 I disputed a unknown collection on my credit report with the 3 credit bureaus. Two weeks later the debt came back verified. I then mailed a letter to XXXX XXXX asking them to validate the debt. Asking for proof they own the debt, proof they are licensed to collect in my state, and the original aggreement showing I have an account with them showing my signature for the {$2200.00} collection on my credit report. They sent me a one page computer generated statement. I then redisputed the collection again with the credit bureaus, and they again verified the debt.
XXXX XXXX is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
I opened an account with XXXX and applied for there XXXX CARD which is essentially with Syncrony Bank ( GE Capital ). A few months ago I purchased a cell phone from XXXX and had nothing but issues with it, Returned it under XXXX 's no questions asked policy. Due to poor communication the return became a dispute, immediately afterwards within a day I notice my available credit is reduced by syncrony, and found others have similar experiences of having there credit reduced or accounts closed for simply excercising XXXX 's return policy. I had always paid on time, and often paid 30 % or more of the balance. Never paid late. Yet the action taken by syncrony has damaged my credit rating and all I did was pay on time. I have paid off my balance and want them to reverse the previous limit reduction, and then close my account so that my credit score is restored to what it should be.
I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named XXXX XXXX XXXX, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

XXXX filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, Ocwen and XXXX. 

Ocwen 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Having issued three cease and desist letters for them to comply. I called about illegal negative actions they were attempting to conduct. Even though I have initiatied this conduct the gentleman who called me b came anusive and disparaging towards me ; despite I can contact them to discuss this matter he refused citing the cease and desist and disenfranchised me from recourse with them.
I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney, because instead of suing me, the " company '' is going to press charges for fraud and theft. He also yelled at me for " crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further, and contacting my employers as well.
this company keeps on calling my sister and harasses her that they are going to arrest me if she does not give them the message. they told her they are a debt collector however they should not have disclosed who they are. she keeps telling them to stop calling. they call her every week at the number noted. she is really angry and would like the calls to stop. I also would like them calling her as my reference.. they are rude and threatening her all the time. this is a 3rd party collection agency and have no idea who they are. please tell them to stop calling my reference and quit harassing her during day while she is working.
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
A service of loan forgiveness which I believe to be a scam took out XXXX dollars in my checking account and I didnt have any funds ... therefore the bank added n additional XXXX dollar insufficient funds overdraft fee.
Some years ago my information was used to obtain a used car from XXXX XXXX XXXX in XXXX, FL that has since closed. After getting paperwork in the mail " thanking me for my purchase '' I immediately went down to the lot where the manager gave me the number to the financial provider for the car and would not give me the information on the person that actually got the car. After contact the loan provider we got things situated and my information was " deleted '' off of the car and everything had went back to normal. In XXXX I pulled my report and noticed that Summit Financial has started reporting for the balance of {$8000.00} for the XXXX XXXX that I did n't own or posses. I immediately contacted them and the loan officer that i had spoke with prior to see what the deal was and why it was still connected to me. I was told since my name was originally on the paper work even after having my name removed ; that It still had to be reported to my credit. Even though I found that hard to believe. They had me to believe that even though i had no ties with this loan ; it had to sit on my credit for 7 years according to Summit Financial. I am preparing to be a homeowner and had a meeting with my banks home loan manager and pulled my credit all for me to find out that Summit Financial never even after 7 years deleted this off of my credit. They actually reported for an extra year. NOW, adding fees and renewing this debt that I do not owe them! This getting out of hand with the lies and the run around that i 'm getting at this point.
I have initiated XXXX separate disputes with TRANSUNION for XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and TRANSUNION has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX address and sent them 2 letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX
I demand to verify the accounts you listed wrong status in my report - I have never paid them late :   XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX    XXXX    XXXX / XXXX   -  XXXX
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XXXX - XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Item purchased not as described and vendor would n't answer means of contact provided on invoice for return, no address provided. As a result of not being able to contact the vendor I opened a dispute ( Case ID XXXX ) with Juniper bank specifically noting I could not get a response from the merchant and an address was n't available. A received a denial letter on XXXX/XXXX/16 stating the vendor had n't received the product back yet and Juniper stated the dispute was closed. I acknowledged said fact as it was the entire reason for opening the dispute and as requested by Juniper I sent a written request to reopen the dispute on XXXX/XXXX/16, they obliged. On XXXX/XXXX/16 Juniper called me and noted the dispute was re-opened and I verbally requested the vendor 's address for return. They said they 'd call me back. On XXXX/XXXX/16 I called Juniper and requested the address for return and was told the dispute was closed. I informed them it should n't be as they already acknowledged receipt of my XXXX/XXXX/16 letter requesting re-opening. The Juniper agent, said " ok it 's opened again '' and I yet again requested the vendor 's address. Juniper said they 'd call me back. On XXXX/XXXX/16 I called Juniper again and requested the address, the rep. gave it to me this time and I asked, " will I receive the full refund upon the vendor receiving the returned merchandise? '' The recorded response was, " yes provide us with written tracking that it has been delivered and we 'll credit your account. '' I shipped the package on XXXX/XXXX/16 and upon delivery provided Juniper with written documentation of its delivery. On XXXX/XXXX/16 I received a letter stating I would not be receiving the credit as the case has been closed since a letter dated XXXX/XXXX/16, one I never received. Also note above everything that happened after XXXX/XXXX/16, XXXX/XXXX/16 the operator noted it was re-opened and XXXX/XXXX/16 being told to mail the merchandise back for a credit. Why if it were closed are they telling me to send merchandise back? Only after I jumped through all of their hoops and incurred additional ( return shipping expense ) did Juniper renig on their offer. I called and spoke with a so called Sr. Customer Service Management and asked why I was told to send the merchandise back on XXXX/XXXX/16 if the case had been closed since XXXX/XXXX/16? I was told the ( XXXX/XXXX/16 ) rep. did n't have the authority to do so and for me to deal with the vendor!!?!!? I guess the Sr. Customer Service Manager did n't even read the file or she 'd know that 's the entire reason for the dispute in the first place. I asked Juniper to stand behind their XXXX/XXXX/16 rep. and they would not even though it 's on a recorded line. The Sr. Customer Service Rep. said she would need a RMA from the vendor ... ... ... ... ... .the one I ca n't get in touch with and proved to Juniper multiple times throughout the process.
This debt was part of a debt that was illegally placed on my credit report for cedars sinai which recalled all my medical bills due to their violation of not notifying me of this. First of all this was illegally placed on my credit report without first notifying me by phone, mail or any other method. cedar sinai has recalled this which was marked paid. A direct violation of Fair Debt Collection Practices Act ( FDCPA ) Grant & Webber are in violation of the Fair Debt Collection Practices Act ( FDCPA ) no mail, no phone call, no letter was ever sent to me, just parking it on my report on experian.