WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX disputed with XXXX XXXX XXXX/XXXX/XXXX disputed with XXXX I have Never been late paying this bill
I went through XXXX to dispute my credit reports with XXXX and Equifax. 
XXXX removed a credit card account that then showed up on the Equifax report, which was n't there before. The credit card dispute is for a XXXX account that was closed in XX/XX/2004. 
I called Equifax directly to dispute both employment information and the credit card account. They told me over the phone that they could not remove it. I filed this complaint. I also called XXXX directly and requested they contact the reporting agency to tell them to remove it. XXXX stated it could take up to 20-30 days to see any changes. They stated they would contact XXXX reporting agencies to resolve my issue. 
What I learned today, is consumers must call the creditor and have them authorize and demand removal of the credit discrepancy if the reporting agency is unwilling to do so. Otherwise there is a large law suit and call for consumer action activists. 
The problem with the employment information is there is no automated selection or choices to remove old employment information. This needs to change. 
I have now spent an entire day to clean up my credit report. 
I do not have the file associated with this account because it is so old I destroyed it. XXXX still had me on their system. Unbelievable. I was also just told by a XXXX agent that they are required to keep report our accounts for 10 years, yet web site stated it is only 7.5 years. WHO is RIGHT? What is the time credit reporting time frame for our information?
XXXX XXXX ADDED A ACCOUNT ONTO ALL THREE OF THE CREDIT REPORTING COMPANIES AND I DISPUTED ALL THREE CREDIT BUREAUS AND XXXX AND XXXX INVESTIGATED IT AND REMOVED ALL THE ACCOUNTS FROM MY REPORT AND SENT A MESSAGE TO EXPERIAN STATING THEY REMOVED AND BLOCKED THIS XXXX ACCOUNT. EXPERIAN NEVER REMOVES STUFF UNTIL I GO TO FTC AND CFPB. EXPERIAN KNOW THIS ACCOUNT ISNT MINE AND UNDER THE FAIR REPORTING ACT ONCE ONE BUREAU REMOVES IT AS FRAUD AND SEBDS A REQUEST TO ADD A FRAUD ALERT THEY SEND A DETAIL MESSAGE WHY THE WANTED THE FRAUD ALERT ADDED. I WANT THE XXXX ACCOUNT REMOVED ASAP.
In XX/XX/XXXX, I obtained a mortgage from XXXX Bank to retain ownership of a residence due to divorce. ( loan no. XXXX ) In XX/XX/XXXX I was unable to pay taxes and insurance for my home to to illness, the death of a partner, and financial problems related to an ongoing business. The bank entered into foreclosure action in XX/XX/XXXX, Through out the process I kept the ban informed of other property that I owned that was in litigation. The property finally sold and I requested the bank 's attorneys an amount to reinstate my mortgage under its reinstatement clause.I recieved a total amount for all costs, payments late charges attorney 's fees for a total of {$66.00}, XXXX. This amount was paid by cashiers check on XX/XX/XXXX Sometime in XX/XX/XXXX the mortgage was assigned to M & T bay who has used XXXX XXXX as a servicing agent. the principal balance due at that time was {$56000.00} At the timeof the assignment I was led to believe that the bank would modify my mortgage at the current interest rates. during the first foreclosure It was determined that the residence had substantial hidden leak damage.I used other monies to start reconstruction of the roof and upper story of the home. When I informed the servicing agent that I was in construction for repairs they backed off the mortgage modification and said they could not do anything in the matter or do any refinanciing. The Bank then raised my monthly payments to roughly {$1800.00} per month which I could not pay. They then created a scheme of charging me for late payments and interest on payments they claimed were due in XX/XX/XXXX and the last statement indicated that I owed over {$92000.00}. The bank filed a XXXX foreclosure in XX/XX/XXXX. This new foreclosure has halted the reconstuction on the property because I ca n't get any financing or refinancing to work the construction From a principal balance of {$56000.00} on XX/XX/XXXX I now owe over $ XXXX.in XXXX months. 
I bought the residence in XX/XX/XXXX it has a market analysis value of between {$950.00} to {$980000.00} It is roughly an acre of land with a natural beasch at the waterfron and the road side of the property faces a small park.
I noticed an inquiry by XXXX XXXX XXXX XXXX XXXX on my experian credit report. I contacted XXXX   and asked why an inquiry was made into my credit report. They said they had no record of any application or other request that was made. XXXX sent a letter statting they had requested the inquiry be removed but experian has not updated the information they requested.
SPS have not adequately responded to by QWR and have avoided to answer pertinent questions to my dispute. SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose on my property. 

SPS claims that they are required to send me statements by law when in fact there is no law that requires SPS to continue to send false and inaccurate statements through the Unites States Postal Services. 

SPS claims to be the servicer of a loan in my name when it have not participated in any servicing activity and can not prove otherwise. 

SPS claims that it have paid property insurance on my behalf when SPS can not prove otherwise. I have always paid my own property insurance. 

SPS claims that if have paid property taxes on my behalf when SPS have not and can not prove otherwise. I have always paid my own taxes to the county in which I live. 

If SPS or any agent, client, and/or attorney of SPS continues with a foreclosure on my property they will be liable for actual, punitive, statutory and compensatory damages. 

In addition, if SPS or anyone acting on SPS 's behalf continues to send false statement through the USPS mail it will be considered an administrative default to FDCPA VIOLATIONS, VIOLATION UNDER 42 U.S.C. 1981, MAIL FRAUD, AND RICO VIOLATIONS UNDER 18. U.S.C 1961 & 1962.
I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay ERC the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. ERC reference number:XXXX ERC customer : XXXX XXXX XXXX
I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly
My wife and I have a joint account with SunTrust ( branch is at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ). We received a rogue charge to that account for a clothing purchase we had never made for {$240.00}. We called the bank to inform them and to halt the processing of the transaction. The bank told us that the transaction had been made on a different card ( My wife had had an account in her sole name with her own debit card for that account, however she had closed that account 3 months earlier and that account had disappeared from any view that we had ). 
As her old account was linked to our joint account, the transaction appeared on our joint account. It appears that they removed my wife 's " closed '' account from our view, but had never actually closed the account. I have read about the XXXX " sales practices '', however perhaps there are other short term " performance measures '' within banks that are resulting in window dressing ( such as keeping accounts open with a XXXX balance and removing them from the customer view ) and unnecessary risk being passed to consumers. 
For now, the branch has acknowledged that account was closed. They seem to have no idea how the fraudulent transaction was not denied from the get go. As my wife closed the account months ago, so the card was cut up at that time also. Meanwhile the bank, although they acknowledge that we could not have made this transaction, have nonetheless charged our account with the full amount while they process their " investigation ''. 
Now we are waiting for them to conclude their investigation while someone else holds our money in their account. All this while, only the bank 's dubious practices have allowed the fraudulent transaction to be conducted in the first place. It is a very sad place when the humble consumer has better risk management practices than one of the larger banks in the land.
On the dates of  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  I have unrecognized inquiries from the following company :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have sent a letter to address listed on  XXXX / XXXX / XXXX  but have yet to receive a reply.
Tracking number XXXX XX/XX/2018 transfer amount {$170.00} USD Total pay in cash {$180.00} exchange rate XXXX XXXX Tranfer amount XXXX XXXX Western Union has yet to correct the convertion mistake they made and are requiring I pay more money for them to correct their mistake. I have called several times and emailed all requested documents proving the failure to convert the correct amount. Several cases have been created to in attempt to resolve the issue.
I have been trying to dispute several charges on my Discover credit card and after the last time I contacted your agency Discover opened the disputes and told me that they had issued provisional credits and allowed the merchants 45 days to respond or the credits would remain permanent. Two merchants provided responses that I am refuting, however, I have not heard anything on the remaining charges since. I would like someone to communicate the status of my disputes with XXXX on XXXX/XXXX/16 in the amount of {$500.00}. 
XXXX on XXXX/XXXX/16 in the amount of {$5500.00} XXXX XXXX on XXXX/XXXX/16 in the amount of {$270.00}
I have contacted the company directly and they refuse to remove when it is not my account. When asked they can not provide any documents that show otherwise. They become belligerent.
I have XXXX  XXXX XXXX and am unable to read my Wells Fargo auto loan statements. I changed my telephone number last year and Wells Fargo did not have my new number. I was unaware that I was two payments late in my auto loan until a repo man knocked on My door and towed my car off. I immediately called Wells Fargo to update my telephone and attempt to make payment. Throughout several days of calls I explained my situation and requested that my case not be reported to the credit agencies I paid the fees and got back my car after two days but Wells Fargo said they were unable to help with the credit reporting issue. I believe their repo process is predatory
I have been calling for over a year and a 1/2 because I am temporarily totally XXXX I have been asking them for help being that I have no income and no money because I am unable to work due to doctor 's orders for my injuries they laughed at me told me to get my stuff together and go to work they told me that being XXXX is a joke and that I need to get over it so they are discriminating against me for being XXXX they have been harassing me calling me from automated systems when I have repeatedly in the past told them that they are not allowed to call me from automated dialers when they have asked me multiple times I have called him crying and asking for help and they pretty much told me they 're gon na get an attorney to send me to a collection agency I do n't know what to do and they will not help me The school I attended will be closing the coming year of 2018 anyway so maybe there 's some sort of way that can help me as well as I was told by some people that that would help because I did n't not graduate from the school and they are closing I do n't know I just need some sort of help I am hurt I am unable to work I have no money and I 'm being harassed by their automated systems and made fun of for being hurt by their employees
My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved. 
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.
I have a loan with CHASE CARD XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
We lived in apartments in 2013. I was 7 months pregnant and our ac was broken. We called maintenance everyday. they kept telling us it was fixed and it never was. We told them we were going to call code on them. They told us we could move out and not to call code and they would give us something in writing and never did. We moved out and they did n't put it on our credit report for 2 months. We found out that the apartments were sold 2 months after we moved out. We have contacted the current owners and they say they have nothing on us. They told us they may have sold the debt to Quality Recovery Services. We were never notified that this was being placed as a debt. They only reason I found out is because I checked my credit report. Also I have disputed this on XXXX and I sent them a paper requesting documentation of who the managers were, who they maintenance workers were, who owned the complex, ect. I have not received any documents from them telling who they were. They have now put this on our credit report XXXX times. XXXX for the XXXX of XXXX and XXXX for the Quality Recovery Services.
I recognize that XXXX XXXX submitted unauthorized inquiries on my credit report for financing 16 times on XX/XX/2018. 

Santander Consumer is one of the companies that it solicited. 

I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did this. It lowered my credit score by 200 points.
( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
Payments I have made and have the correct dates. This company not given me credit for some, They also, have sent me letters and charged me for being late at least 30 days when I was not. They do not reflect the dates when the payment is made due to a indept accounting statement. I have kept receipts and the employees change too often. Their time is Eastern and mine is Central Standard.
XXXX XXXX put on all 3 of my credit reports that I owed them {$1100.00} in XX/XX/XXXX, with XXXX XXXX, which I disputed, due to the fact that I have the XXXX signed receipt from XXXX XXXX showing they received their equipment back on XX/XX/XXXX, so it was removed, then XXXX XXXX put in back on all 3 credit reports the same {$1100.00} again with XXXX XXXX in XX/XX/XXXX, which again, I disputed with my same records, and it was removed from all 3 again. Then XXXX XXXX put in on all 3 of my credit reports again for the {$1100.00} on XX/XX/XXXX with AFNI, by changing the original opened date to XX/XX/XXXX which on XX/XX/XXXX, I hired an attorney with the XXXX XXXX XXXX, in XXXX Texas, whom took my {$250.00} retainer, never had me sign anything, never followed up with me to this very day, phone number XXXX, which I sent them all the information I had showing it was an open and shut case of my rights with the FCRA, and when I was able to get ahold of them myself, I was told they sent AFNI a certified letter to asking them to remove the it from my XXXX credit report, as I believe that is the last one it still remains one, as it was removed from the other 2, but all that happened was AFNI lowered the amount to {$350.00}, saying it was now for prorated services I owed. From my understanding, once it was reported that I owed the {$1100.00} the first time, months after they had already received their equipment, which is what I was told the balance was for the first time, they broke the law? Then to do it again with XXXX XXXX, they broke the law again, just to do it a 3rd time, by changing the date the account was opened, which was almost a year after I have proof they had actually received their own equipment back, then broke it again, by just changing the amount and I have disputed this myself at least 15 times, and Ive paid for an attorney that has failed me as well. This has now been going on for over 2 and a half years of ruining my credit, my name, and stress you would not believe. I been on meds now because they just keep getting away with it. And when I called AFNI, they even told me that if it was at their collections agency, then they knew it had already been through the other 2, because they are the last of 3 collection agencies XXXX XXXX uses. I know I am not the only person this has happened to, I 'm sure. But I dont know what else to do. Disputes dont help, when I have all the actual paperwork, and documents showing they received it before it was ever placed in collection the first time.
I applied for a job as of XX/XX/XXXX and my credit was checked. I was unable to get a job due to my credit report. As of XX/XX/XXXX, my credit cards were abused by someone that was XXXX. I was under the impression that this was deleted from my credit report. I need to know what I can do to have these charges removed from my credit report. I paid off most of the credit cards. As of now, I only have one credit card. I am trying to rebuild my credit. Please advise me what I need to do. I am unable to pay these charges off.
On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead XXXX investigated 3 of my accounts ( re : report # XXXX ). 
Experian ( report # XXXX ) did something very similar to XXXX. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...