WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of in

formation : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and XXXX Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.
Stop falsifying information. No letters, no phone calls, no notice of any debt owed because I do not owe it. The letter was false and did not provide any proof of debt owed. The letter was written to me only in response to my complaint, Other than that I have NEVER been contacted by this company and they do NOT have a debt for me. I sent in proof of my identity but they are still offsetting my XXXX as per the US social security administration. NO EVIDENCE OF DEBT PROVIDED AS REQUESTED, NO NOTIFICATIONS EVER RECEIVED. No bills, no letters, no proof, nothing. They admit they have never ever contacted me. But XXXX XXXX, Customer Response Technician lied stating that notices were sent to me When I called AAFES admitted that nothing was EVER sent to me. There is no information in this response to identify this fraudulent supposedly certified Treaury Offset. Show me how you wrongly identified me. Credit card charges? What is this about? She stated according to our records, what records? No records were sent because they dont have any to send. Stop this unlawful XXXX for wrong identity. 
Social security XXXX is supposed to be exempt from this so how do they get away with doing this to me knowing that I do not owe them? I asked for proof and was illegally threatened with inprisonment. XXXX says that is like debtors court and is not legal in America. Yet they told me I can be put in jail for something I keep telling them I do not owe. This is so scary and so unfair and so not right. What are you doing to stop them?
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I attended college in the XXXX in XXXX and XXXX XXXX XXXX in XXXX. I took out loans becuase I was an older student and did not have a college savings. I am STILL paying this loan, I was unemployed for a long period of time and then only worked part time for 5 years after my son was born. My current loan servicer, ACS, suggested I defer the loan at this time. It was not made clear to me at that time that the interest would still accrue and exactly how much additional was added to the total cost of my loan. Currently my loan balance is {$21000.00} and the anticipated time for payoff is 14 years from now. I will be XXXX years old when this loan is fully paid. I have never been able to secure a full-time position in the field XXXX, which is my XXXX XXXX XXXX chosen field. ACS has mislead me and they are absolutely horrid to try to work with. I have tried applying for a XXXX as I currently work XXXX. ACS informed me that the current XXXX loan I have ( also under their recommendation ) is not eligible XXXX XXXX XXXX XXXX. When I applied to change to a different loan that would qualify, they denied me. 
ACS acquired my loan in XXXX and I was informed by The XXXX office that my previous servicer was XXXX and I can not seem to locate a payment history prior to XXXX to confirm the validity of the current loan balance. Something does not add up, and I feel like I have been scammed in the worst way possible. I would very much like to apply for a XXXX XXXX XXXX XXXX program as well as change the servicer that I need to deal with. More importantly, what becomes of the last 16 years that I have paying on a {$21000.00} balance that seems to have remained the same? Even large corporate banks will " settle '' for lessor amounts due to changes in financial situations, but this is n't an option for a student loan? I understand that the loan has has previous unemployment deferments and forbearance, however the numbers still do not seem to add up. I would like to pursue legal action agains ACS for their deceptive practices and failure to provide a service. Potentially I would also pursue state mandates to protect college graduates from falling into this trap, perhaps colleges should be held accountable for the degrees they offer, perhaps offer a different degree or classes at no charge if you are not able to secure employment. No one should be paying for a student loan when they are nearing XXXX age. More needs to be done to protect people from deceptive businesses like ACS. Can you please help? 
Thank you
Looking to sell my home and purchase a smaller XXXX, I worked with a realtor. My credit score came back low, a shock to me. Upon reviewing the report I found an account opened that was not mine. I reported an identity theft to all XXXX credit agencies, requested it be removed, to no avail. I submitted a police report which came back conclusive for identity theft. Officer stated I should contact all XXXX agencies and provide the proof she gave me and demand the account be removed. All but XXXX credit reporting agency accepted my dispute online. Experian refused to accept my information and wo n't answer calls. I have yet to have the account in question removed.
FAIR COLLECTIONS & OUT Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply. I also never received a statement from their original creditor before sent to collection why??? 
Experian is really not helpful, this is my right ( XXXX & XXXX deleted, why Experian does not follow the basic procedure what proof do they have??? ). Please assist
My mortgage was sold by United Wholesale to XXXX XXXX in XX/XX/XXXX. Since then both companies have withdrawn {$1500.00} from my account twice ; once on XXXX XXXX and again on XXXX XXXX. I have contacted United Wholesale MULTIPLE times to resolve this problem, they have repeatedly said they have no record of our mortgage and yet continue to withdraw money from our account. As a consumer, I have the right to not be caught in the crossfire of mortgage lending companies buying and selling my mortgage. Now I am being subject to overdraft fees because of four months worth of mortgage being withdrawn in two months. This can not go on.
This should go to a Supervisor, not just customer service, tey don't careand wont do anything. 
XXXX  reported derogotory information on my credit file. They charged it off. {$2500.00}, who would order this cheap stuff from XXXX XXXX 
I told them, tie aftertime, I didnt order. They said they have a tracking report. I've asked for two years for copy of the tracking report with my singature. They have not sent " tracking report '' to me but keep insisting that I ordered items # 1.They say items were sent to XXXX XXXX XXXX. XXXX NJ. 
XXXX XXXX XXXX is a auto business. I did not receive or sign for toys. Iasked for tracking of all items ordered and even the ones not paid for. I asked for delivery addresses, all of them. Never received information. I'm XXXX XXXX XXXX. I do not order toys, women clothes, etc. 
# 2. This account was opened from XXXX and they still updating my credit file as of XXXX. 13 years later. Mine or not, it should be off. Deleted! 
# 3. They said account was purchased from another lender. This lender instructed the three major reporting agencies to delete the above reference but someone at XXXX continue to report. They noted that they have no further obligation regarding this acount. I told them to investigate and they deleted the collection. 
( I will mail you the copy of letter ) XXXX will not send tracking, dates of items received or MY signature that I signed for items, as I have requested. 
I have contacted Experian, they stated information accurate, however information unrelated to your dispute has been updated. 
# 4. How can it be accurate, if it is not my account. They say I owed {$1200.00} but now I owe {$2500.00} which was written off. As of XX/XX/XXXX, they noted my credit file again as a collection. This acount is closed, not in collection, ( have copy ) and should have been deleted long ago, But they continue to report. I have wrote letter after letter with no help. Its show recent balance 0, but noted as Collection account which has dropped my credit score by atleast 30 points again this XXXX when they added collection back to my account. 
# 5.XXXX are trying to force me to pay for something I did NOT order! 
If they allowed a cousin, family member, XXXX, wife, son, daughter, X-wife, X- girlfriend, just someone/anyone to accept items in my name, I am not responsible. Iam not a XXXX buyer.I want this removed immediately, I've been trying for years already, so I decided to come to you for help. I talked to an officer, can not get a report from 13 years ago when account was opened. Please delete!
Involved in the Equifax security breach which is a mishandling of data putting myself and hundreds of thousands of others at risk.
I hired a contractor to install gutters, but he never showed up. The contractor secured an 18 month interest free loan w/ XXXX XXXX XXXX , & told me to send in monthly payments. He said this way I could try to beat the high interest charge rate at the end of the 18 month period. So when I received my 1st invoice, I sent XXXX a payment of {$50.00}. The contractor had said he was on a big job and it would take several weeks to start my job. That was on XXXX XXXX, 2016. In XXXX, when I stated calling the contractor, he never returned any of my phone calls. When I contacted XXXX XXXX, they were also unable to reach him. XXXX had also called me to confim how the job was going on several occassions and I told them the contractor had not started it yet. Then I noticed my Credit report had a charge on it of {$600.00}. When I called XXXX to complain. They said that they already paid the contractor, even though I kept telling them he did not show up or do any work. I believe this is a fradulant charge and would like it removed from my credit file.
Starting around   XX/XX/XXXX   I entered into a loan modification with  XXXX   XXXX . I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in   XX/XX/XXXX  ,  XXXX  continued to report that I was  30, 60, 90, a nd even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX   ;  finally showing as current beginning  XX/XX/XXXX   through   XX/XX/XXXX  .  XXXX  accepted a nominal loan amount from HUD for the amount  XXXX  indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with  XXXX  for over 2 years to correct the reporting to my credit.  XXXX  informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around   XX/XX/XXXX   I filed a dispute inquiry with   XXXX  . The result of that dispute is that  XXXX  reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to  XXXX  around   XX/XX/XXXX .  I indicated that since  XXXX  can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then  XXXX  must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than  10  business days. I received several letters from   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  and their  XXXX    XXXX   indicating that they " are unable to provide you with a response '' and they need more time. Today is the  XXXX  business day. I called  XXXX  's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in  XXXX  and that I should allow them "  XXXX  to  XXXX  more business days to locate that information. '' I sold my home at the end o f  XX/XX/XXXX   and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since  XX/XX/XXXX  related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from  XXXX  , still in the loan modification trial period.   I have additional documentation if needed.
We pulled a credit report because we just did a home loan. 
on the report was a card in our name that is not ours.
I applied for a XXXX XXXX XXXX Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from Experian showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call XXXX XXXX about the situation and advise me to contact Experian and to dispute it. I contact Experian and they advise me Banks are the ones who decide what score they give you that Experian only gives them you Annual Reporting and that Experian doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the XXXX XXXX. I call XXXX XXXX back and tell them of my situation and what Experian has told me. XXXX XXXX  was quick to say that they pulled my score from Experian and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from  Experian and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as XXXX XXXX also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.
I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. 







Please be advised this is my SECOND WRITTEN REQUEST. 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 


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

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
This is a follow-up to previous compliant number XXXX against Credit Collection Services. The initial complaint was XX/XX/XXXX. Credit collection Services responded " the complaint did not belong to them. '' On XX/XX/XXXX I called Credit Collection Services and received a reference number of # XXXX. I informed the representative I have received no response from my previous letters. The representative proceeded to give me the file number and also said I could dispute the collection via fax to XXXX. I was not successful in my initial attempts to fax and I called back to verify the number. I successfully faxed the company 3 times on XX/XX/XXXX with the fax confirmation as proof. 

The representative also gave me the website http : //ccsnotice.com and stated my pin would be XXXX. I spoke with XXXX XXXX @ XXXX PST on XX/XX/XXXX and XXXX @ XXXX PST on XX/XX/XXXX. 

Credit Collection Services closed the file with Consumer Financial Protection Bureau just as they ignored my certified letters requesting debt validation. I am sure this is illegal. Please see my photos as proof.
I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.
On XXXX XXXX, XXXX, I opened a Small Business Account in the name of XXXX 50 Year Reunion. The documents I signed, indicated that I would be receiving a debit card tied directly to the checking account that was opened. Within a week, I also received a Wells Fargo Visa Credit Card with a limit of {$20000.00}. I DID NOT APPLY FOR THIS VISA CREDIT CARD. Our family has been valued customers with Wells Fargo since XXXX. My wife and daughters all have their financial dealings with Wells Fargo. Their entire information has now had the potential of being hacked
The collector is from a Zales credit card. On XX/XX/XXXX. XXXX XXXX (? ) said a matter has been escalated to his desk and hed like to have the matter resolved. His number is XXXX, extension XXXX. Hes there until XXXX XXXX. This message and another one was left on my fathers landline phone. Again on those people called again on XX/XX/XXXX, at XXXX XXXX. I just listened to the voicemail. They have also called my mother on at least three different occasions. My parents are elderly and this type of harassment is unhealthy.
XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.
Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.