WillisBack/dataset-financial-user-claim huggingface dataset:
I am requesting again the removal of said account below ; as per the furnisher who first reported this debt to you. Because you have FAIL to properly investigate this case, I have taken it upon myself to work with the furnisher and we have come to an agreement about this account which I am no longer the SUBJECT of nor did I own the account. You are reporting to the public that I owe a debt or owed a debt which is not true and I will take immediate legal/civil action if this is not removed from my account. 


Again, I have come to an agreement with the Furnisher and because we have found the account not belonging to me and is inaccurate, I am demanding for it to be removed from my credit file. 

I have attached the letter from the furnisher of this account. 

XXXX Card ( XXXX )
Okay I put my son on my credit card years ago as an authorized user only. I recently had to file bankruptcy and we both ( myself and my son ) where shocked to see it show up on his credit report. He has file a dispute concerning it and I contact the credit card company. The credit card company told me there was nothing they could do about it and that it would remain on there for 7 to 10 years. I feel like this is very wrong. He was added only as an user and the credit card company agrees with that. I told them they never tried to contact him or bill him and they actually closed his card before I filled but the 3 late payments and termination of his card effected his score. Is that not a law to protect him from this? If not anyone could be put on someone card and get hurt by them being late with a payment. It sure was n't disclosed to me that the acts of me would hurt him. Would you please let me know if there is anything I can do about this. Also please info any other parents that may add there children to there cards that it can later show up on their credit report. All my payments I made over since 2008 did not help his credit score though.
Dear CFPB, I have been trying fo r 4 1/2 years  To get Experian to removed   XXXX   XXXX   off of my credit report because of FRAUD.I was very successful in disputing and getting  XXXX   XXXX , and  XXXX  to remove that bank off my reports. I feel I am being treated Extremely unfair by Experian.Because of my Extended fraud alert for 7 years, it already takes weeks to get even  1 of my credi t reports, I received my Experian report on  XXXX   XXXX , I tried again to dispute  XXXX    XXXX   on  XXXX   XXXX @ XXXX  for 36 minutes. I talk to  XXXX  in the ( FRAUD DEPARTMENT ) and she said what  XXXX    XXXX   reported on my credit report was accurate I explain and explain my side of the story first she said she would place and state that  XXXX  reported inaccurate information then she changed her mind and said it was accurate and she could n't do anything at  all.Now I do n't know what to do I am very frustrated and upset I do n't understand why I ca n't get an y help with this issue from Experian, The bottom line is Experian has refused to help.
I reference previous case number : XXXX. My present complaint is against SETERUS , Inc., a loan servicing company, to which the collections on a mortgage loan # XXXX, for property at XXXX XXXX XXXX, XXXX, CA XXXX ( " the Property '' ), was transferred in XX/XX/XXXX. The transfer was done by XXXX XXXX XXXX, XXXX. 
SETERUS has ignored the XXXX XXXX County Superior Court of California 's XXXX/XXXX/XXXX Divorce Dissolution Decree ( Case # XXXX ), in which " the Property '', and all its debts, was awarded to my ex-spouse, XXXX XXXX XXXX. Further SETERUS, has ignored the Court 's XXXX/XXXX/XXXX Order, that " the Property '' be sold. SETERUS has also ignored the Interspousal Transfer Deed, transferring title to XXXX XXXX XXXX XX/XX/XXXX. 
SETERUS continues to post delinquent payments to my credit report, so that I am unable to obtain credit. 
Resolution : That SETERUS, Inc., immediately remove any negative reports made to the Credit Bureaus, using my social security number, name, etc.,. That SETERUS, Inc. obey the Court 's Orders, and cease their harassing behavior toward me ( rude phone calls/notices ). That SETERUS, Inc. pursue the legal owner of " the Property '', XXXX XXXX XXXX, who still resides there. ( I have not resided there for almost three years. )
I've requested multiple time through credit agencies to have account removed from credit report I have event sent over police report to show fraud. Starting in XX/XX/2018.
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY are all listed as the creditors of an account on my credit reports. Clearly, there are errors with this reporting due to the following reasons : A. All entries shows that an account was opened on XX/XX/2013, however ; these entries refer to different account numbers ( Account # XXXX ; XXXX, XXXX ) B. How can this one account have  DIFFERENT BALANCES? 

C. How can this one account have DIFFERENT DATE OF LAST PAYMENT?

D. How can this one account have DIFFERENT DATE OF ACCOUNT CLOSED? 

E. How can this one account have DIFFERENT PAYMENT HISTORY? 


I am asking for assistance from the CFPB because : # 1, I know for a fact that I DID NOT open multiple accounts on XX/XX/2013. 

# 2, I requested validation of these debts. I sent a certified letter to all three addresses listed on my reports. I have proof that all letters were received. I DID NOT get back any validations. The only correspondence that I received back was a letter stating that I applied for a loan on XX/XX/2013, but the account is now sold and I should direct all questions to the new owners for verifications. My issue and point are that the items on my credit report which are in questions have to do with XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY and the fact that they are reporting incorrect information on me and fail to validate any information as required by the FCRA.
After becoming the victim of identity theft, and having my bank account drained of tens of thousands of dollars, I contacted Experian, on XX/XX/XXXX, to place a security freeze on my credit report. I also requested a current credit report, to make sure nobody was using my identity to secure a loan or line of credit. About two weeks later, while checking my credit card statement, I noticed a charge of about {$24.00} from Experian. When I called, the rep said that by authorizing the {$1.00} report, I was also agreeing to a " free '' 7-day trial '' of a monitoring service and that, if I did not cancel within the 7-day period, I would be billed for the service. I explained that I had no intention of signing up for any such service, and I requested that my account be cancelled and that I receive a refund of the charge. The rep said she would cancel my account, but that she was unable to issue a refund. I then asked to speak to a supervisor. 

After a 20 minute wait on hold, a supervisor named XXXX answered. He told me he would cancel my account but that the fee was non-refundable. He explained that the website was clear in that I had to cancel within 7 days to not be charged. I pointed out that I had no idea I was even enrolled until XX/XX/XXXX when my credit card was charged. I received no email confirmation that I was enrolled in any kind of program, no phone call confirming my enrollment, no customer number or explanation of the program. Nothing. Not until well after the trial period was I even aware of being enrolled. He said I was sent an email on XX/XX/XXXX, which I was, but all that email said was that I had " updated my account information. '' There was no mention of any service I was signed up for. XXXX reiterated his position that the fee was non-refundable. I became increasingly irate, over the course of the conversation, over his refusal to make good on Experian 's shady, unethical business practices. I explained that I have never done business online with a company that did n't provide some kind of email confirmation of my purchase. Never. It is clear to me that this is how Experian, and other reporting agencies, sucker people out of money for as long as it takes for them to realize they 'd been swindled by fine print. 

I had a similar problem with XXXX, but at least the rep there refunded the charge. 

I strongly advise anyone wanting to get a copy of their credit report to do it over the phone and very clearly tell the rep that they only want a report and do NOT authorize, under any circumstances, being enrolled in any credit monitoring service. 

Congress needs to take action and stop this kind of railroading from credit reporting agencies. A hacker stole money from my bank account, ilegally. Experian stole money from my credit card legally. But they still stole from me, because I did not intend for them to have my money. And that 's theft, no matter how much fine print they hide behind. This practice should be illegal and someone needs to start a class action lawsuit against these companies. They should be helping people in their times of vulnerability, not ripping them off.
I have submitted three complaints about XXXX XXXX XXXX, XXXX which issued a fraudulent Administrative Wage Garnishment to my place of employment. As a third-party debt collector, they do not have the authority to perform such an action. XX/XX/2016, after the matter remained unresolved, I called what I was told was XXXX. XXXX XXXX XXXX , XXXX claimed that it was operating on behalf of XX/XX/XXXX. After reaching agents in XXXX and requesting to be transferred to a site in the United States, it became clear that I was speaking with Navient, not XXXX. Navient claimed that it is operating on behalf of XXXX. Since Navient is not a guarantor, it similarly does n't have the right to issue an Administrative Wage Garnishment. I requested that Navient provide debt verification or validation. Navient has not done so. Navient is not the holder of a student loan account, and I have repeatedly informed Navient that I do not owe on student loans. The name provided for me is incorrect, and I have demonstrated what my legal name is. I feel that Navient is engaged in identity theft. Had I had student loans and had Navient fka XXXX served as the loan servicer, Navient would have needed to have provided me with payment stubs, the opportunity for IBR and PSLF, and some form of documentation. My only vocation has been a teacher ; therefore, there is no excuse for Navient 's claim that I have a defaulted loan. I have not signed any loan documents, and I did not receive any loan proceeds to attend college. It is not acceptable for Navient to represent itself as XXXX, and it is not acceptable for XXXX XXXX XXXX , XXXX to act on behalf of Navient, while claiming that it is acting on behalf of XXXX. I have filled out an FTC Identity Theft Report, and I want Navient held accountable for their illegal and fraudulent practices. People in this country are committing suicide and suffering from extreme poverty due to the actions of these hideous individuals destroying the financial and ethical fabric of America. The most recent fraud against me happened after erroneous information was listed in my credit report, and XXXX XXXX XXXX, XXXX accessed my information on XX/XX/2016. Although I am working with the Credit Bureaus to have this information corrected, action needs to be taken against Navient for its involvement in this matter.
Received an email from XXXX on XXXX XXXX, 2017 telling me that they have restricted my account and will be closing my account. I received no prior notice from XXXX that they were going to do this. If they had, I would have taken the proper steps to prevent this from happening. By them closing my account, this will negatively affect my available credit and credit report. Below is the email they sent me.
Re : Account ending in XXXX XXXX, Its been over four years since youve used your credit card account ending in XXXX. As a result, your account has been restricted as of XXXX XXXX, 2017, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed.
XXXX and Department of Education/Nelnet and Nelnet Loan Services is reporting accounts that are not mine. I have  disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.
I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.
The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XXXX or XX/XX/XXXX ; and XX/XX/XXXX.
I do n't appreciate how they conduct business. I paid my bill off in full in XXXX XXXX. I thought everything was finalized. I received the {$0.00} receipt balance from Optimum Outcomes, Inc. Then this year in XXXX XXXX, I received an email saying I have an outstanding balance. I reached out immediately to the company twice in XXXX on each occasion the representative told me they would have someone to investigate the problem and contact me. I did n't have to keep calling back. I offered to fax over the receipt I received from them the day I paid my balance in full. The representative tells me they do n't have a fax machine but I can mail that information to them. However, after reading my information they said yes I see where you paid the bill in full but at the time nobody could tell me how I still owed them money but the hospital that was collecting the debt showed I owed {$0.00}. Well I started receiving debt collection phone calls in XXXX XXXX which at this point I am feeling harassed, upset and cofussed as this was not a mistake on my end. So, I explained to yet another rep this month ( XXXX XXXX ) and then that 's when she was rude and started saying she see were I paid my bill in full but they were showing they sent me a portion of that money back in XXXX. Therefore, my complaint is how and why did it take them 7 months to contact me and say I owed money? Indeed if I owed money they would have reached out to me before XXXX of XXXX. They had no problems in the past sending me emails and letters at my home which I received not XXXX collection letter or email after I paid the bill in XXXX until XXXX of this year. This was clearly an error on there end and how do you make this my fault? I did my part which was what I was asked to do and that was to pay my bill which I did ( in full {$170.00} ). What was done on there end should not turn into a nightmare for me as I thought this was behind me. I have read so many reviews and complaints similar to mines. Something need to be done about this mishaps.
i did a refinance on my home in XX/XX/2018. The loan was sold to PHH Mortgage and in XX/XX/XXXX i was notified that the flood maps were redone and i was now in a flood zone. i tried to explain to them that my property was not in a flood and they suggested i apply for a XXXX Letter from FEMA. During the process PHH Mortgage forced lender flood insurance on my account with a premium of {$1600.00} and did an escrow analysis and raised my fixed payment from XXXX to XXXX. I have made several attempts to contact them and fix the problem and keep getting the run around. In XX/XX/XXXX they sold my loan to XXXX XXXX without fixing the problem so now i'm dealing with trying to have XXXX go back and fix the problem and since then i have received my XXXX Letter stating I am not in a flood zone and have uploaded the documents to their system om XX/XX/XXXX and still today it has not been adjusted. i feel like i'm getting the run around from not only PHH but also XXXX XXXX  which is why I am making a consumer complaint.
Afni is reporting an account on my credit report that does not belong to me, and it severely damaging my credit rating. I mailed a letter to them requesting information regarding this debt, and did not receive a response. The acct # as listed on my credit report is XXXX.
I got some furniture from Conn 's in 2014. Last XX/XX/XXXX due to over whelming bills I discided to file bankruptcy. The last part of XXXX. I lost my job. So I could not finish the payment of it. My lawyer told me to stop payments to all my creditors in XXXX Conn 's started calling on the hour in XXXX. I tried to ignore them after telling them that I was unemployed and to stop calling me XXXX12 times a day. Today they have called 6 times. When I spoke to Conn 's conserning the amount of calls they said it was on a auto dialer I then told them to take me off the auto dialer because that was harassment they wake up my Mother and brother everyday. All day long. The phone is in my brothers name. Now I can understand XXXX or 3 calls a day but XXXX to XXXX is unreal. So please I beg you look in to this?
I have been dosputing directlly with XXXX, Experian and XXXX   since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a ) on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time XXXX, Experian and XXXX  send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX  N A -  XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX, NA - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
On several occasions I have submitted documentation, a police report and multiple CFPB complaints against Experian in reference to incorrect information on my credit report. Experian has done nothing. I disputed the collection account with XXXX XXXX and they stated that they were deleting my information, yet Experian is still reporting this collection on my account. I have even submitted the documentation to Experian from XXXX XXXX. I have submitted a police report in reference to a credit card that was not mine as well for XXXX XXXX XXXX XXXX  XXXX that is still incorrectly reporting on my credit file. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Experian has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
My loan was with XXXX, they got sued by the attorney general of massachusetts I was told by a letter sent to me that my loan was back with XXXX that has been closed since XX/XX/XXXX, then I got another letter later from XXXX XXXX saying they got my loan from XXXX   allowed by XXXX and that my payment from XXXX was transferred to XXXX XXXX, XXXX   was closed XX/XX/XXXX there has not been any payment to transfer from XXXX. Now XXXX XXXX want me to pay them. Amount pretty much the same since XX/XX/XXXX when I got the loan I dont know how much I have paid over time I feel they are in cohus with the type of business XXXX was doing How do I find out how much I have paid from XXXX that my account is closed with them since XX/XX/XXXX, to XXXX who got sued during the time they had my loan with them while the were in this trtouble.
XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the BankruXXXX XXXX XXXX  Docket # XXXX & Docket # XXXX
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXX stating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.
I received a letter from Synchrony Bank XXXX of this year stating that I was part of the class action lawsuit and would be receiving a check for {$270.00} within 60 days. It is now XXXX and I have not received anything. There is an XXXX number listed on the letter, however when I call, I ca n't ever get through to anyone.
My daughter applied for XXXX student loans from the Wells Fargo Student Loan Division to finish her XXXX XXXX at the University XXXX Kentucky. She graduated in XXXX 2016 and took a $ XXXX/hour apprenticeship position with a local Veterinarian while she applied for and awaited acceptance at accredited schools where she could complete a XXXX program and become a Veterinarian herself. Before her first payment towards the XXXX Wells Fargo XXXX loans came due, she applied for continued deferral and was denied. She appealed and was again denied deferral, and was told that she had to make the total {$390.00} monthly payments beginning XXXX XXXX, 2016. She only makes approximately $ XXXX/month so Wells Fargo is asking her to pay 40 % of her income towards her private student loans each month, which obviously does not leave enough left over for her to live on, so she would end up going into default on her loans in order to be able to pay rent and buy gas to go to work, etc. but Wells Fargo did n't care. Wells Fargo knew that the co-signer ( me ) would have to step in and make the payments on behalf of my daughter so that she would not go into default on the loans. In essence, by denying her deferral, they were side-stepping the borrower and going straight at the co-signer. I feel this, at a minimum is unethical, and hope that it is also illegal banking practices, similar to Wells Fargo 's other illegal banking practices that have been in the news lately, and would appreciate the Consumer Financial Protection Bureau 's assistance with this matter, and hopefully force Wells Fargo to reconsider and allow my daughter deferral while she awaits acceptance into a XXXX program.
PHH Mortgage XXXX auto drafted an additional {$300.00} over the cost of our mortgage payment and applied it to our principal interest monthly for 4 months, from XXXX 2015 until we placed with our bank, a block on all debits from them in XXXX 2015. PHH was faxed in writing the correct debit amount, called numerous times, notified that we no longer wanted Automatic Payment Drafting and continued to draft unauthorized funds and when notified applied them to principal interest of our mortgage without our consent.
I was getting phone calls from a debt collector and now I looked at my credit report and there is an address in another state I never lived in and is not me .A charge card owes XXXX that I never took out. The adverse account on the charge card has the same date as the date phony address was reported. I need this off my report as evidently it a a case of fraud.