WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX  Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ).
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX
XX/XX/2018 Peoples United Bank XXXX XXXX XXXX XXXX Connecticut XXXX Phone XXXX I been coming to this branch for about 1 year and getting my payroll check at teller window instead of Their ATM machine, to day i was told by a teller name XXXX, that i have to tell my employer to give me a card with my name on it. Because the old supervisor is no longer at that branch. i told her my employer have thousand of other employees that have the same kind of debit payroll card, and i do not think they will do that for me. she act very upset and was making a fuss about this issue. I told her your ATM machine do not ask if my name is on the card. The card Booklet state that i can use this card at any bank with proper ID to withdraw my pay. I call their XXXX customer service number talk to person name XXXX he would not give me his last name, he was no help at all sound like he was not aware of how the walk in to teller debit card transaction work. waste of time talking to him. he might not have submit my complaint, so that why i am contracting Consumer Financial Protection Bureau.
Complaint XXXX settled all of my credit cards with a lawful financial instrument under XXXXThere are no rules regarding how debts are to be settled as long as lawful. Banks are misreporting : Barclays, XXXX, XXXX Bank, XXXX and XXXX XXXX. Credit report shows a charge off but they never returned the instrument and under XXXX XXXX states that even if the settlement is declined or rejected the debt is settled. Notwithstanding that all these banks and credit reporting agencies received the complaint, they have been trying to duck and dive around the law. I need help getting this cleared off my credit reportI am an insurance agent and companies with whom I contract are denying my applications and it is affecting my income
I autopay my Citi credit card online and changed the bank account for them to withdraw the funds. I have an email confirming the new account change, yet the following month, Citi withdrew funds from my previous account, which no longer had any money in it, causing me huge fees and penalties! They refused to accept responsibility for their mistake and want me to pay those fees and penalties. I 've been trying to resolve this dispute for the past few weeks and they keep pointing the finger at my previous bank.
I had a Bank XXXX mortgage in good standing until XXXX XXXX when the bank failed to post a payment for that month ( XXXX XXXX, we later learned the check had not cleared our bank ) and subsequent payments made on time, were credited to the previous month, making the current month to show delinquent. Bank XXXX transferred our loan to Resurgent Mortgage in XXXX XXXX and Resurgent discovered the mistake and other posting errors that showed the account 60 days delinquent and reported to credit agencies, destroying my credit. The documentation was finally obtained from BA in XXXX XXXX and resurgent offered to do a Loan Modification in order to bring the account to 'current status ' providing we made two months payments for XXXX XXXX and XXXX XXXX, which I made. We completed the Loan Modification documents and submitted them to Resurgent in XXXX XXXX and was advised not to make any further payments until we received the Modified Loan documents. Subsequent communication with Resurgent was not possible by email, fax or phone and we never received the Loan Modification. On XXXX XXXX, XXXX I received a Certified Letter from Shell Point Mortgage Servicing notifying me my home was scheduled for foreclosure on XXXX XXXX, XXXX. My attorney and I made several attempts to resolve the delinquency of {$280000.00} but we informed they could not respond until they officially received the Loan Modification documents which we had send via email on XXXX XXXX and again on XXXX XXXX. On Friday XXXX XXXX we were told they had not received the documents and the five day provision for stopping the foreclosure has passed and the foreclosure could not be stopped. My attorney advises my only alternative is to file personal bankruptcy to stop the foreclosure, which I intend to do.
I attempted to attend XXXX University with a student loan. While awaiting student loan approval, XXXX University registered me in a class and charged me tuition without my knowledge. I was unsure of the process and never completed activities beyond a survey. Some months later I was approached by a counselor who told me I was at risk for not finishing my class. I advised that I had never signed up for a class. They told me to contact the school. I did, but no resolution came from it. Some months later, when my loan was approved, I contacted my admissions counselor to begin courses. She was no longer employed by the school. I emailed the person who they told me was now responsible. That person never responded. Some time later I started getting collection notices. I have disputed every one and every one has been found to be fraud, but they just send it to a new agency.
On XX/XX/2016, I filed for Chapter 7 bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XX/XX/2016. 

On XX/XX/2016, I applied for a loan and was given a rejection with Corelogic/Teletrack listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed and they were all successfully discharged. 

Whoever Corelogic is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX of Indiana, is XXXX - identification has been uploaded.
I have made several attemps to obtain my credit report. Recently to obtain my yearly free credit report and again today, when I requested a copy in response to recent credit denials. I have been denied each time with no clear explanation why, or how to obtain my free copy that I'm entitled to, according to the FCRA.
Had An Account With XXXX A Few Years Ago But I Changed My Mind And Decided To Close This Account Like With In 30 Days! I Paid All My Balance Owed On This Account At That Time! Now A Few Years Later Their Trying To Collect The Amount Of {$39.00} From Me And It Shows On My Credit Report That The Account Is Open??! This Is All Wrong!!! Have n't Heard From Them In Two Years And Now Their Trying To Collect Something I Do Not Owe!!!!
XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order
This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX
The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX Experian Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
I financed with ally in XX/XX/XXXX and paid of my car in XX/XX/XXXX. I have another friend who is white and has bad credit history then mine was offered less interest and lesser payments while I payed them like XXXX on interest just in XXXX months. That is ridicules. Also they gave me an interest percentage of XXXX percent on that car. After all this overcharge I refinanced with them again and due to some financial hardship I was unable to pay my installemnt XXXX month and they have this program that allows you to extend payments due to anykind of hardship if you have paid XXXX payments on time. I have paid them XXXX payments on time and should have qualified for that but they refused me probably because I am XXXX. I am very upset. They overcharged me on my first car and now they are treating me differently just because from where I am
I was contacted on Saturday XX/XX/XXXX by XXXX XXXX XXXX. I was threatened by the agent and harrassed by being called several times over a debt that has nothing to do with me.
I as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the description of XXXX ( your web based automated verification process ) YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that " XXXX is a web-based, XXXX XXXX XXXX, automated system that enables Data Furnishers ( DFs ) and Credit Reporting Agencies ( CRAs ) to create and  respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness.
Nordstrom FSB has posted a delinquent charge on my credit report. In XXXX 2011, someone fraudulently opened a Nordstrom FSB credit card in my name and charged {$720.00}. I called Nordstrom FSB, sent them my actual information to show them my current address, phone number, the date I have lived at the current residence. They advised me they would cancel the account and close it as being fraudulent. They never closed the account and it is still listed as open on my credit report. I need them to close the account and list it as fraudulent.
I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.
I received an update from XXXX XXXX stating that there was a collection added to my report. I reviewed it and was alarmed at the results. It is from a company that underhandedly purchased my account, without my permission, and made no efforts to collect on the balance. The original account was with XXXX which was another scam. I contacted XXXX  back inXX/XX/XXXX( twice ) and again inXX/XX/XXXX in making efforts to pay this bill. No attempts were made to debit the amount owed, which is why I called. Next thing I know I am blinded by this negative result on my credit report. I called this company and I got the complete run around. The last person even hung up on me.
Our mortgage was with XXXX for several years. Payment was debited from our checking acct. never late on payments, never missed a payment.For unknown reasons XXXX XXXX XXXX sold a bunch of mortgages to Nation Star Mortgage Company located in XXXX. Prior to the mortgage being sold XXXX XXXX XXXX sent a letter stating there would be no change to our mortgage that the transfer would be transparent. From day XXXX we received numerous phone calls from Nation Star.When we returned their call they were not nice at all, stated our loan was in a bankruptcy. I tried to explain to him that the mortgage was not included, not on the list of debts in the bankruptcy not included in the discharge of debts. The man just kept repeating that the mortgage was included regardless. If that was the case it would have been listed in the court documents. The man made me feel like I was a dead beat.. I did file a chpt XXXX and only included debts incurred by my deceased wife.The mortgage was never included in the chpt XXXX bankruptcy..The bankruptcy was discharged in XX/XX/XXXX all the while payments were being taken out of my bank acct by XXXX.I tried repeatedly to explain this to the man at Nation Star he became belligerent. He told me to contact a lawyer that I was wrong.We have made our payments each month to Nation Star.Yet we have people driving by our home taking pictures and this all started when the mortgage was sold to Nation Star. I do not like the harrassing phone calls every month..we are making our payments and will continue to do so. When I googled Nation Star on the internet there are numerous complaints about this company, their tactics, they are failing to honor the mortgage agreements made with XXXX It is not right what they are doing to us. I have owned this home since XX/XX/XXXX, had it built and have no intentions of not making our payments. Plus we own another home that is mortgaged with another company and there is no problem with them, no phone calls nothing and all payment are made every month since XX/XX/XXXX, we have never missed a payment on either home. SO I do not understand the harrassment because we have a mortgage that was sold to them. XXXX XXXX XXXX never harrassed me, never called me every month.
I disputed an inaccurate item on my TransUnion credit report and requested that they do an investigation on the account. A few weeks later, I was informed by Transunion that the account was verified as correct so I contacted the alleged creditor ( XXXX ) myself. I spoke with a representative at XXXX and was told that I was no longer responsible for the debt, which was discharged via XXXX filing. I immediately contacted Transunion and requested the name of the representative at XXXX that they contacted and any documentation that XXXX provided to verify that I owed them a debt. TransUnion sent me a letter in response claiming that their investigation on the issue was complete while failing to provide any proof that they conducted any investigation at all! I have contacted TransUnion on many occasions by telephone asking what method is being used to continually verify this inaccurate information. Several representatives from TransUnion have told me that the way they conduct an investigation is by way of an electronic code sent to the alleged creditor, which is most likely the XXXX method. This is absurd.
On approximately XX/XX/XXXX, I awoke to a credit file alert with Equifax that my score had plummeted. I immediately checked my Equifax Monitoring Service and discovered a twice-disputed item had been reinserted as a collection on my files. Again, this collection agency, XXXX XXXX XXXX XXXX, had been deleted twice. First in the Equifax results page dated XX/XX/XXXX. Attachment of results included. And then again on XX/XX/XXXX. Attachment included. 

I did not make immediate contact with Equifax but waited until I was notified of this reinsertion with hopes that it was a mistake. It was not, at least on their part, as when I finally submitted a complaint regarding the Collection record, I was sent a result in absolute contradiction to the prior 2 resulting outcomes ; the item was to remain and additionally, updated. Sadly, I never received any correspondence ( s ) from Equifax to inform me of this negative and score-detrimental decision to report this item as absolute fact.

In the complaint, all documents I am providing you were sent via USPS tracking  with delivery signature confirmation. 

As Equifax has not informed me in any form within the 5-day requirement outlined by the FCRA, I believe the only absolute remedy to this situation is an immediate and permanent removal of the medical collection item from XXXX XXXX XXXX XXXX. My consumer rights, and Equifax 's disregard for my rights by not notifying me through proper means and without as much a certificate of accuracy demands this item be deleted permanently. Otherwise, my only other recourse would be through legal means. I may be one individual without any clout or power, but this kind of action on the part of Equifax is not only careless, but disregard for the procedures that govern this very agency 's actions. 

The previous dispute results accompany this complaint and I hope to get this resolved as quickly and efficiently as possible.
I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time
I found  XXXX   XXXX  CA  XXXX   US h as charged me on my  Chase Visa card  since  XXXX  {$0.00},  XXXX  {$9.00},   XXXX   {$19.00}. I do not have an idea about  XXXX  and how they got my visa card information? I have looked up  XXXX  and found many people were charged without any idea of  XXXX .
Refuses to send updated account information to my account management services daily. Allowed to verify account but doesnt update.
XX/XX/XXXX Di tech financial is trying to collect old bad debt on a home that I lost 17 years ago to foreclosure. 

XX/XX/XXXX I wrote them back certified return receipt that the debt was no longer valid. 

XX/XX/XXXXToday I receive a letter with no description of what they are trying to collect on. Included was a ditech account number and only that they were trying to collect a debt? 

I want these people to stop and to close my account number.
There is a negative information reported by XXXX XXXX XXXX XXXX-XXXX XXXX in my file that is under my Social Security number. Upon reviewing a copy of my credit report from Lexus Nexis, I see an entry listing Chapter XXXX Bankruptcy on XX/XX/2018 date. I challenge the accuracy, fairness, compliance, and reportability of this listing, also I stated for them to please validate this information and provide me with copies of any and all documentation associated with these account bearing my signature. I formally request that this information be immediately deleted from the credit file they maintain under my social security number. The United States Bankruptcy court do not report any activity to credit bureaus, nor do they verify that the information report is accurate. This part is the second and final comments of this dispute. The first part of this dispute is in the documents that is attached and being 31 days or more apart, however the first document is dated XX/XX/2018 with the asking in a goodwill attempt. There is two documents attached. ( I haven received a response ) If any more imformation is needed. yours truly..
I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.