WillisBack/dataset-financial-user-claim huggingface dataset:
I have filed XXXX separate disputes with Equifax in regards to collector " XXXX XXXX. '' They never contacted me with information. I never received a notice from them stating I owed said debt. I check my credit regularly, and noticed XXXX accounts from this collector were added on my report. All of the telephone numbers I look up have been disconnected. Equifax is the only bureau that shows these XXXX accounts total. I can not move forward with looking for a house with these XXXX accounts XXXX my credit. I have tried to contact money control, but like I explained previously, all of their contact information comes back disconnected. I am not sure what else I can do at this point. Please help since Equifax will not.
There is a inquiry on my credit report for Jcp I have not inquired for Jcp and I live in XXXX not XXXX not sure who did that but that one is not me and should not be on there and would like you to look into that and release it from my report
I have an outstanding debt with a previous rental company XXXX XXXX XXXX. Upon eviction there was no initial walk through performed by this company. Eviction was XX/XX/2017 and it was requested that I leave the key in the mailbox. After 30 days ( XX/XX/2017 ) I received a letter ( via email ) from XXXX, stating charges from XX/XX/2017. I had been away from the home for 21 days. I have no idea what may have happened to the property in that time frame. I did not receive any notices from the Collections Agency, Capital Accounts, so that I can request proof of debt or dispute the validity. According to my credit report this account with the collections agency was started on XX/XX/2017. I am not disputing the delinquent rent due, however I do not have the appropriate documentation for the additional charges. I have requested detailed invoicing for the additional {$2600.00} in trash removal, paint, drywall, and blinds from the original creditor XXXX and Capital Accounts. I have not received this information from either entity. I have requested in writing and via email. Capital Accounts, prior to my reaching out to them, had made no attempt to contact me in regards to this balance. And since my contacting them to request detailed invoice information I have only received one email. The balance since it has been with this company has also been apparently accruing interest, thus increasing the balance. I have disputed this through the credit reporting agencies and still have not received the requested information. One address listed on my credit report was incorrect and my certified letter was returned. My true balance due is {$1300.00}.
At the end of the my lease, there existed over mileage and minor damages to the vehicle. I was in contact with XXXX XXXX in an effort to settle the over mileage and also the damage. I was consistently told by Huyndai that there was no option for a payment plan available to me to cover these excess charges. My only option was that I had to wait until the account was sent to collection in order to make payment arrangements for these charges. I offered to make payments to Hyundai and they refused to accept them unless it was the full amount. I explained that I was not in a position to pay the full amount at that time, but would be able to pay it in full over the course of a period of time. Hyundai said to wait and deal with the collection agency. I waited until I received the information from XXXX XXXX, XXXX, they acting as debt collector for XXXX XXXX XXXX company and at the direction of Huyndai made payment arrangements with me. During all of my conversations with both Hyundai and XXXX XXXX, I repeatedly asked and was told that excess mileage would not be held against me on my credit report. All Lease payments were paid on time and in full. As of today, my credit report has been damaged, My father who was a co-signor on the lease has received a Release of Debt from XXXX on behalf of XXXX XXXX XXXX See attachment. He received this document after filing his complaint with the CFPB and the information was removed from his credit report. XXXX XXXX, XXXX, should also have sent the same information to me as I was a co-signor/borrower. The payments were paid as outlined by the Collection Agency for the over mileage and excess wear and tear. See attached comments from XXXX outlining all of the dates and payments made. Again I was told this would not appear on my credit report. Hyundai should be correcting my account as their agenct, XXXX XXXX XXXX told me that since this was for excess mileage and damage it would not be reported. If Hyundai had offer any type of payment option at the end of lease for over mileage or excess damage I would have made the payments directly to them. I would ask that my credit report be corrected and all delinquencies from XX/XX/17, XX/XX/17 ; XX/XX/17 ; and XX/XX/17 be removed from all three of the repositories listed under XXXX XXXX XXXX. I would also request that I receive a Release of Debt correspondence from XXXX Collection on behalf of XXXX XXXX XXXX and also a Release of Debt from XXXX XXXX XXXX as all payments have been paid.
XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.
I was charged a late fee and interest on XX/XX/XXXX on my VISA card. after about an hour on the phone, the representative agreed to waive fees and to settle the amounts on my XXXX statement. I believe this situation shows a systematic defect in Bank of America data processing that could lead to customers being charged inappropriately. Details below are from a letter to XXXX XXXX, BofA CEO. 

" Moreover, the example below not only illustrates how poor BofA service is, it also points out a possible systematic failure in reporting that could have regulatory implications. For that reason, I am filing complaints with the Federal Reserve Consumer Complaint division and with the Consumer Financial Protection Bureau.

As one example of poor service out of many, I called BofA to inquire about a late fee and interest charges on my VISA card XXXX After about 20 minutes on hold, I finally spoke with XXXX and explained the situation. My paper statement of XX/XX/XXXX and the on-line record for the card both indicated that I had a credit balance of XXXX and contained a statement, Credit Balance, please do not pay. I am enclosing a copy of the paper statement. Despite that notation, BofA charged a late fee and interest. 

Customer Service representative XXXX looked at the account detail and correctly pointed out that there was a double payment of XXXX on XX/XX/XXXX, resulting in the credit balance on the closing date. In a previous series of calls, I first asked to have the second deposit reversed not possible. Then I asked for a refund of XXXX and received it on XX/XX/XXXX. XXXX insisted that there was a payment due on XX/XX/XXXX, even though neither the statement nor the on-line record indicated so. I was so frustrated at her inability to recognize that this charge was inappropriate that I asked to be transferred to a supervisor, and spoke to XXXX. No better. XXXX also looked at the account and agreed with XXXX that there was a payment due and that the charges were valid. I repeatedly explained that there was something wrong with the BofA system that inflicted a charge under these circumstances. She also refused to listen to this logic and continued to insist that the charges were appropriate. Frankly, neither representative seemed to comprehend the real problem. In the end, however, she did waive the late charge and the interest on the account. I will need to wait until the next billing cycle to see whether, in fact, this will happen. The account currently shows that it is overdue.
XX/XX/XXXX, I paid XXXX in cash the full amount of an account that was previously charged off. XXXX alleged it notified XXXX of the same on XX/XX/XXXX. XX/XX/XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XX/XX/XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XX/XX/XXXX ( XXXX ) - I filed an online dispute with XXXX providing proof of payment, as instructed by XXXX. XX/XX/XXXX ( XXXX ) I went into a local XXXX branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, XXXX representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XX/XX/XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XX/XX/XXXX. I asked what that meant. Rep said : documentation was sent to XXXX requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions fart around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.
I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.
I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.
XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX
On the night of XX/XX/ I was looking through my mail when I noticed an envelope from XXXX XXXX XXXX, having a credit card with I opened it immediately. In said envelope was a new credit card I took it off the paper and turned it around and I looked at the name, XXXX XXXX, was the name on the card. I have no idea who this person is, I have never even heard that name before. I then called XXXX XXXX XXXX to find out what was going on. On the line with them their automated machine told me had a balance of XXXX, I was completely floored. I then tried cancelling all cards linked to my account, which I thought was only one, the one I applied for. When I was finally able to talk to someone, she transferred me to their fraud and protection department. I spoke to XXXX and she told me that this person authorized themselves on my account using all my personal information. XXXX XXXX increased my credit limit to XXXX the same day and ordered a card for herself. XXXX also told me that XXXX purchased XXXX on XX/XX/. She also told me that this person actually called twice once at XXXX and again at XXXX on XX/XX/. The conversation ended with XXXX telling me to contact the credit bureaus and to put an alert on my social security number.
I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.
I am a victim of identity theft and someone stole my personal information and opened up XXXX credit card accounts with Capital One Bank. I never applied for a credit card with Capital One Bank. The XXXX credit accounts are unauthorized, fraudulent and do not belong to me. I have sent numerous letters, police reports and copies of my Minnesota drivers license and social security card to Capital One Bank and have informed Capital One Bank about this matter numerous times. The following accounts ending in : XXXX and XXXX, do not belong to me. I will not send any further correspondence to or communicate with Capital One XXXX.
This is a dispute with Transunion who refused to removed the IRS Tax Lien from my Transunion credit report even thou I have file many disputes informing them that this occur from fraudulent use of my personal information which was corrected by the IRS. This is hurting my credibility. IRS document attached. Transunion must delete this immediately. Thank you.
I submitted a request for   XXXX   to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that  XXXX  had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why   XXXX   chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that   XXXX   refused to block were as follows :   XXXX   XXXX   XXXX    Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to  XXXX  were fraud.
  XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case   XXXX   Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to   XXXX   by phone and by certified mail. They claim this fraudulent information was provided to them by LexisNexis, but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as Lexis Nexis.
LexisNexis was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me. Lexis Nexis never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
My XXXX XXXX XXXX credit card do not have a balance of {$230.00}, and XXXX/XXXX XXXX XXXX credit card do not have a balance of {$290.00}. Im disputing the inaccurate balance of both accounts.
I have Medical bills in collections from my son when he was XXXX or over. The Company did not verify guarantor at return visit. I am not responsible for this bill, I did not rendor services
I attempted to have this debt removed from my experian credit report because XXXX XXXX violated the consumer fraud act and consumer contract warranty notice act. I received a class action notice that I am a part of and the notice indicated the storage co violated consumer fraud act by charging excessive premiums and violating nj truth in warranty notice act. The debt should not be listed on my credit report due to all of this fraudulent activity. The settlement is listed is indicated on the web site. Open to the public. The collection agency should not be trying to collect on these violations. IC systems inc collection agency.
RE : Issues over Home Financial Hardship Application with US Bank Ref : US Bank Home Equity Line Accounts XXXX & XXXX Property : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Mortgage Complaints Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Dear Sir or Madam, I and my wife are the owners of the above property, which is solely encumbered by XXXX US Bank Home Equity Lines of Credit with the above account numbers. 

We are trying to sell our house, but due to the ongoing decline in the XXXX real estate market, the value of the house is now at or below the value of our outstanding debt to US Bank. We submitted a request for a short sale, with the Home Financial Hardship Application and all required paperwork, to US Bank on XXXX XXXX, XXXX. In early XXXX, we received letters that XXXX relationship managers, XXXX XXXX XXXX and XXXX XXXX XXXX, have been assigned to our case. Since then we have cumulatively left XXXX voicemail messages and sent XXXX emails to XXXX XXXX and XXXX XXXX, but received not a single response. We have also repeatedly called the US Bank customer service lines for both mortgages and home equities, but were given the run-around each and every time. 

We recently received an offer on our property which was below the value of our debt, but not having received authorization for a short sale we were unable to accept the offer. 

We are XXXX XXXX XXXX seniors with serious health issues ( please see attached HFHA hardship letter ). It is now 74 days since we submitted our request. We need assistance and are extremely frustrated and disappointed by the way US Bank has handled our case. We respectively request the CFPB 's assistance to resolve our case in an expeditious manner. 

Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX ( cell ) / XXXX XXXX XXXX ( home ) Current Address : XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX
I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.
A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.
I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. 
The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. 
We no longer have that bank account ; therefore, we can not verify it officially. 
The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. 
Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.