WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/XXXX, I obtained a car from a buy here pay here lot named XXXX XXXX XXXX XXXX   in XXXX, FL. Which was my second vehicle through this company. I used them this time and the prior time because I didn't have the credit score needed to purchase at a normal car lot. So, I was referred to them by XXXX XXXX XXXX because was told that XXXX XXXX didn't base approval off of your credit score and the downside was they also didn't report payments made to your credit report. So I wouldn't see the benefit on my credit by buying a car through them but it would help me get a car that I desperately needed. So it was my understanding both times that I was approved based off of my income and employment history alone. The first car was totaled in a car accident and was paid off by my insurance company. This car was never reported in any kind of way to my credit report. The second car I returned in XX/XX/XXXX due to a very nasty divorce. My ex-husband had knowledge of the vehicle I was driving and it was in the best interest of my children to return the vehicle and he also had possession of the vehicle and would not return it to me. My ex-husband contacted XXXX XXXX and had them retrieve the vehicle from his work without my permission. I never received a call or letter from XXXX XXXX to make any kind of arrangements to get the car back or that I owed any kind of balance. I didn't even change my phone number until months later and my address change was completed with the post office immediately after me moving, so if letter sent it would of forwarded to my new address. Then this month XX/XX/XXXX almost one year since returning the vehicle they posted a negative closed account on my credit. How can they now report to my credit before 1 ) providing me with a statement showing the balance after sell of the vehicle 2 ) report after they never reported payments of information with either vehicle prior to this date 3 ) report a loan that was not based on my credit to begin with 4 ) never providing me with a notice of balance due and giving required dates to dispute the item or make payment arrangements before placing on my credit? 

I contacted them on XX/XX/XXXX and asked how this item was on my report and they stated they just began reporting to credit agencies recently. So how can the report accounts that are old and before this new process? I also asked for information on how I owed the amount on my credit and was informed that she thinks it was sold and that the company wrote off the balance years ago.
Approximately 3 years ago I opened an account with Huntington bank and have been in good standing with them until recently. On XXXX/XXXX/2015 Huntington Bank allowed and unauthorised transaction to take place for over {$1700.00} by XXXX XXXX a car. In no way, shape or form did I authorise this transaction nor anywhere in the area remotely close to that amount. Moreover I specifically went to see my personal Banker about one month prior to this transaction and personally opted out of any overdraft protection for fear of something like this would happen. As soon as I caught the fraudulent transaction I immediately contacted the bank. After a week or so I went to see my personal banker and he made some phone calls regarding the travesty, I do n't know who he was speaking to but he did remind whoever it was that I had no overdraft protection, and made reference to a small transaction sometime ago at XXXX which was denied due to insufficient funds. He actually was arguing and at one point, pointed out about how a small grocery transaction could be denied but yet a {$1700.00} could slip through. For whatever reason the person on the other end, cut the conversation short, and I was given an excuse for them allowing it. It through me into such a daze, I cant even remember what exactly was said. I formally disputed the matter sending XXXX XXXX several document via email showing what it was XXXX had been doing. Long story short both the bank and XXXX had been making banking mistakes and I should not have to be the one paying for it. I have struggled most of my life from XXXX issues which in turn caused me problems to ruin my credit. I have been doing well for several years now and have been making some headway in trying to repair my credit, I wanted to try and buy a home here as a first time home buyer but now I cant even get a car loan. It has brought me to the point of XXXX because of all the financial hardships Both Huntington and XXXX have caused, I would never authorise and amount that I could n't cover and every single time I called XXXX, I made XXXX well sure the money was there at the time to cover it, as I did with all business. 
I returned the car in better shape than it was when I rented it.
Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
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XXXX XXXX XXXX  Inquiry Date..MXX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX   XXXX/XXXX & XXXX Inquiry Date..XX/XX/XXXX XXXX   XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX7 XXXX  XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX  XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX Inquiry Date..XX/XX/XXXX
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from your CBCinnovis/XXXX XXXX  being reported to his XXXX and XXXX   credit reports. This inquiry was made XX/XX/2018 and was done without his consent. A formal dispute was provided to CBCinnovis/XXXX XXXX XX/XX/2018. While the item was supposed to have been removed as fraudulent the data is still being reported to the XXXX   credit report as of XX/XX/2018 ; this is a violation of the FCRA.
they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX 's XXXX : Accelerated Financial {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )
CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!
In XX/XX/XXXX, I received a notice from Brock and Scott in reference to a XXXX card I had. My first payment for this garnishment was in XX/XX/XXXX and ended in XX/XX/XXXX. This garnishment stopped on XX/XX/XXXX ( dismissed ) due to me paying. I just recently bought a house. A few weeks ago my HR director called me in the office to advise me that this same company is garnishing my check again. I called Brock and Scott on XX/XX/XXXX and spoke with XXXX. I asked XXXX, why did no one call me and send any notice to me. She said they sent it back in XX/XX/XXXX and it came back undeliverable. I advised her that is not true because this is the exact same address they had when they did the first garnishment. XXXX, then advised me to hold on. When she came back to the file she advised me that they will send me a copy of. On XX/XX/XXXX, someone left a someone left an envelope on my door. It was the garnishment documents that they claimed they sent in XX/XX/XXXX and to my old address that is listed in the paperwork. XXXX, advised me that the new filing letter was sent on XX/XX/XXXX, but came back undeliverable. On XX/XX/XXXX the attorney submitted a new filing. I asked her could she send me ALL paperwork pertaining to this. She said that she has too speak to her manager. I also advised her since I never received any type of notification from them. She then asked me is there anything else she can do. I advised her again this is paid per my last paperwork.
Called TransUnion at XXXX and spoke with the first Rep XXXX, which she was very rude to me and then I asked to be transferred to special Handling and to see if they can help me she told me that she could n't do that and transferred to someone else and her name was XXXX XXXX and she also was rude to me. I was notified the inquiries were placed back on my credit report and wanted Transunion to remove them due to not being notified. according to the FCBA that is against the law. I attached parts of my credit report for your review.
My bank is Old National Bank. XXXX XXXX app is not partnered with that bank and it 's causing some difficulties
I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.
On XX/XX/XXXX I got an email from XXXX XXXX alerting me that a collection had been placed on my account for XXXX XXXX XXXX  on behalf of XXXX XXXX in the amount of {$120.00}. I never knew any thing about this balance spoke to XXXX XXXX XXXX on why they didn't call me they stated that they don't know why, but they mailed out a letter but I have moved from that address since then. I went on and paid the balance in full on XX/XX/XXXX and ask for them to give me a paid in full letter and to have it removed from my credit report, they stated that they would but it is still on there and they didn't provide me with any documentation. I'm asking that this be removed from my report. I'm in the middle of closing on a home, and have no collection on my report besides this one, I'm asking that this be removed from all agency as soon as possible thanks XXXX
I had an account with XXXX XXXX that was Fraud some how PORTFOLIO RECOVERY # XXXX now has it, I had previously disputed this account.I do not owe this account.
all 3 wiped out ALL records of 2 car payments over several years and ALL mortgage payments back to XX/XX/2005 ... ..when we " disputed '' that we were paying and no payments were showing up ... .never missed a car payment ... missed one house payment before bankruptcy ... but it seems that in each case what we type is not read ... .and the system defaults to an automatically generated statement " dispute '' and then the file is expunged .... totally -- -- -- our credit is XXXX ... .we pay ~ {$2000.00} every month ... .Bankruptcy discharged 3 years ago ... ..but we don't understand why -- -- -if we pay -- -- -there is no record ... ... we could not get any confirmation of payments ... ... ..any payments ... ..so why should we pay????????????? we want to keep the house and cars ... .we think we should pay ... ..but there is no credit record we have for these payments ... ..why should these payments not be counted????
Navient correspondence dated  XXXX / XXXX / XXXX  states it can not process my  IBR re certification application as the form I used is " an old version that expired. '' The form I used states in the top right corner : "  XXXX   XXXX .  XXXX  Form  Approved Exp . Date  XXXX / XXXX / XXXX . '' It is  XXXX  pages.     Navient says that form was updated in  XXXX  of this year. The form they say I must use is  XXXX  pages, and is labeled identically to the form I used : "  XXXX   XXXX .  XXXX  Form  Approved Exp.  Date  XXXX / XXXX / XXXX . '' I spent approximately  one  hour today (  XXXX / XXXX / XXXX  ) on the phone with  XXXX  different Navient staff of increasing supervisory status, asking them to either : a ). process the form I sent in, which on its face is clearly current, or b ) tell me what information they require that my application would have omitted. They declined.     I 've been in  IBR st atus with a zero payment for at least 5 years.  XXXX   XXXX  used to send the current form in the mail, but  Navient has ne ver done so.
I received a called from this rude woman that work for XXXX ( National Credit System ). National Credit Systems is stating I have a balance of {$280.00} from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX and I have never applied to XXXX XXXX XXXX. The date the application was run/processed is the date I was in the hospital ( XXXX XXXX, MN ) having XXXX. I did not get discharged from the XXXX XXXX until XX/XX/2018. So I would like to know how I was able to apply for an apartment when I was in the hospital. I never called, toured or even had any dealing with XXXX XXXX XXXXs. I asked XXXX ( National Credit Systems ) to send me e copy of the returned check, application with signature and drivers license. XXXX ( National Credit Systems ) has failed to provide me with that information. The XXXX account is # XXXX. Also, I never received any type of notification from this company. I will press charges on XXXX XXXX XXXX and XXXX for harassing me with false information. I would like for XXXX to be investigated. I have asked this company multiple times to send me all the information and they refused.
This is my XXXX complaint against this company. I 've told them numerous times not to contact me during my working hours of XXXX, and they continue to do so. They also discuss my account with third parties that I have listed on my account as references. They do n't state the company name in phone calls or messages, and when asked by a reference what company was calling they refused to give the name, just that they 're a tax service in XXXX XXXX. They then proceeded to tell my girlfriend details about my account and asked that she bring them a payment for my account. This is all after she and I have told them that I put a check in the mail because I would n't be able to make it to their office to pay it in person. I feel like their harassing and deceptive collection practices are against the law.
At first Barclay Bank would call and we had a payment plan set up for {$20.00} a month in XXXX because I was going through a rough patch and the representative said they could help soothe the damage it may do if I didn't pay anything at all. While I was still paying on the payment plan they sent the debt to numerous debt collectors, who proceeded to harass me over the funds owed to original bank at an even higher amount. About a year later, XXXX, Barclay bank filed a lawsuit which I was not given any notice of to dispute, just a date for court, which resulted in my income taxes being garnished for over a thousand dollars. Directly after the withholding of my taxes, I reached out to the company and was insured that the dispute was settled. But now I am still being harassed by debt collectors on behalf of Barclay Bank for the full amount of the original debt.
I had around XXXX inquiries on my credit report because of XXXX XXXX XXXX XXXX, the dealership submitted my information to multiple lenders without my permission and around XXXX lenders pulled my credit report lending to an abundant amount of inquiries. I reached out to Transunion and was told that I needed to contact all creditors in order to get the inquiries removed. I received a letter from XXXX XXXX admitting they made a mistake in error but trying to contact XXXX lenders and having to explain the nature of the situation over and over again is ridiculous, I have had some luck with some lenders and no luck with others, I would like the credit union help me find a less strenuous way to get all these inquiries removed from my credit report.
XXXX, XXXX XXXX XXXX, XXXX. 
Additional Locations Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX View Additional Phone Numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Williams, Alexander & Associates , Inc. any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Williams , Alexander & Associates, Inc. 
any company associate with this account # XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I have been slowly clearing up My credit and rebuilding it, as my Husband and I need to move back to XXXX ; Currently in MI for 10 years XXXX My Husband has XXXX and I need to be with Family and eventually he will need more XXXX I can not get XXXX XXXX because of collections on my account XXXX total was XXXX $ XXXX in medical bills! 
I contacted The Attorney XXXX XXXX In XXXX, XXXX that the accounts were with XXXX is her collection firm, they were willing to work with me as I paid them off, they were removed from XXXX ... XXXX had never had any .My Problem seems to lie with Equifax .HORRIBLE, RUDE, NASTY, NO ONE to speak EMGLISH with even half decently .. I have begged for XXXX XXXX XXXX .. after many holds, I am back in XXXX XXXX!! 
I finally paid for a month subscription thinking that might work again, ... I only got an North American to speak with when I decided to cancel ... then back to XXXX, XXXX, and Other parts of XXXX XXXX who are NOT able to speak or understand you .. all they say is Please hold! 
XXXX finally got a gal in XXXX in the USA, I told her about my arrangement ... how experian was removing them ... and I had maybe XXXX that equifax should have removed, her reply to me was " if they had something to report to us they would have!!!!! and then she asked if I had a memorandum oe letter from XXXX XXXX OR the attorney asking if I could prove this was our arrangement .. I said No, However, the young lady has been reporting to Experian and they are removed .. why can you NOT do the same .... I have sent in several disputes to Equifax , I DO NOT BELIEVE THEY DO anything! 
My credi score with them has not even changed I asked why? I was told they are a bit more stringent .... meanwhile, they are ruining peoples lives! 
Hopefully you can look into the matter for me ... they need a good kick and learn to work with and NOT scam people! 

Very Truly Yours, XXXX XXXX XXXX
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX   advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
I began disputing an incorrectly reported item on my credit report with Experian an XX/XX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XX/XX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XX/XX/XXXX.  They sent me another credit report on XX/XX/XXXX stating the item was validated, updated as such and remains on my credit report. On XX/XX/XXXX I called Experian and spoke with a lady named XXXX. I asked her what documentation does Experian possess to prove that this is indeed my debt? She responded by telling me we do not have anything nor are we required to maintain any documentation. Can you imagine how much storage wed need to maintain documents for every persons credit file we maintain? I told her that Experian is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. She told me there is nothing she can do for me except file another dispute. Experian has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.