WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Bureau Reporting Current address, since XX/XX/1989, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report. 

The above 2 addresses STILL remain. I believe XXXX reports the XXXX, TX., and Trans Union , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/1989. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.
Requested XXXX, Experian and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX  )
I had a payday loan with XXXX XXXX in XXXX of XXXX. It became delinquent immediately. In XXXX of XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XXXX. But XXXX put that date as XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Trans Union and they left it on my file.
This collection agency is submitting false errors to my credit report. I do not owe what this agency is fiercely trying to call and mail letters to a debt I do not owe
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
XXXX Claim I took out loan Wells Fargo 2011, in California XXXX XXXX. Had my information but I did not live in XXXX nor have account with Wells Fargo 2011. They called me saying I owe {$400.00}, Wells Fargo can not verify or says I owe any debit. The loan amount was {$400.00}, no interest. Rep would not mail me verification letter, said she would escalate it back to collector
I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.
In XXXX 2011, I was involved in a car accident. The car was financed by XXXX. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from XXXX about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
In XXXX XXXX, I contacted XXXX XXXX XXXX XXXX concerning a new bill I received, even though I no longer had an account with the company. 

I had transferred my account to my now ex-wife and she was legally responsible for the account as part of a divorce proceeding. She was the only person that actually had telephone service through XXXX XXXX XXXX. 

I was advised that when the transfer was accomplished, there were two telephone numbers transferred to her, but she refused one of the numbers. XXXX XXXX XXXX representatives advised me that I was responsible for paying for the number that remained. 

Prior to this transfer, the number in question was simply a " placeholder '' number with no device, calling plan, nor data plan. The fee to keep the number assigned to the account was XXXX per month. However, after this transfer, XXXX XXXX XXXX began charging me XXXX per month for the same number, without notifying me of any change. I had no means to access any service on this line whatsoever. 

I disagreed that I owed more than XXXX for something I could not actually use in anyway. XXXX XXXX XXXX elevated that call to a supervisor, who completed a protest for forwarding up the approval chain. I never heard anything else from XXXX XXXX XXXX. 

In approximately XXXX XXXX, I noticed a new collection account on my credit report. XXXX XXXX XXXX had turned this account over for collection and this is hurting my credit score.
On XX/XX/XXXX, I discovered that this information from XXXX XXXX Inc had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence within the 5 days as stated in the FCRA. I have since sent in proof of deletions and reinsertion to Equifax prior about this account and it was deleted yet again on XX/XX/XXXX then reinserted today. Attached are screenshots of my credit report on 3 separate days showing that Equifax is guilty of reinserting this information
I have disputed a dental bill on my equifax credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a denture he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XXXX The estimated time for dispute under equifax web sight for investigation to be complete was XXXX XXXX XXXX. Checking the status of that dispute it was never completed by equifax. As of today XXXX XXXX XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XXXX XXXX XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XXXXXXXX XXXX and would like proof of current dispute that was denied was investigated properly.
Midland fiance company contacted my brother and gave him my debt amount and last XXXX digits of my social security number
I was charged a {$35.00} NSF fee. I requested  for TD B ank to return the fee because not only did they charge me the {$35.00} NSF fee but they paid the charge to   XXXX   XXXX   XXXX    on    XXXX  but on  XXXX / XXXX /  XXXX   they reversed the charge causing the company to also charge me a fee. That is not right for them to pay and then reverse and still charge the fee. I opened this account online and I indicated to a few reps that I did not agree to this. I was told that they previously credited NSF fees but the few fees that were reversed were due to no fault of my own so they were justified credits, not done as a favor as they tried to make it seem  .So,  I requested for the rep to forward me a copy of the application signed by me because I know I did not agree to these terms and I was directed by the rep to go into a walk in location. I informed her due to health issues I can not go to a walk-in location ; however I am supposed to be able to request this information in this format as well. I have had the account a while so it is not as if I am a fly by night customer.
My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.
On XX/XX/XXXX from approximately XXXX to XXXX Several fraudulent charges were made via my paypal account ( XXXX ). I received a mobile alert via XXXX XXXX XXXX XXXX and was also advised that my card was being placed on a suspended status for suspicious activity after money was transferred from my bank account to PayPal to cover the expenses. At this time I was in Texas using my Debit card to buy gas. After investigating the suspicious activity myself I was able to find out from Paypal that the charges came out of another state. Since I can't be in two places at once I figured this would be an open and shut case ; however, paypal is denying my claim, claiming they have " proof '' that I authorized the charges. I am willing to provide testimony under penalty of perjury that these were not my charges. As I understand these charges were for goods that were not tangible but electronic. After spending time talking to my financial institution and paypal that situation still remains unresolved. The following are the charges : I have provided a screenshot of my debit card activity that ranges from New Mexico to Texas during the time of these transactions. 

Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$24.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$49.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$63.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$9.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$5.00} ) Auth. DateXX/XX/2018
We are in the process of closing a chapter  XXXX  bankruptcy ( filed in  XX/XX/XXXX  ). During the period of the 5 years, we have ha d  3 m ort gage companies - we were with   XXXX   XXXX   XXXX  , and were in the process of a modification loan, and as soon as the bankruptcy was filed,  XXXX  took our loan back, and ignored the modification loan we were almost finished with. During the time of paying  XXXX , their bookkeeping was horrible, and kept saying were behind in our payments - even went to the bankruptcy court with it, and the court said that we were current. Then they switched us to Fay Servicing, with the note that we were 4 months behind in our payments, and they also had the wrong payment. Fay Servicing is our current Loan Servicing company, and even though we have showed them the last 6 years of payments ( which we have not missed one ), they keep insisting we are behind in our payments, and threaten with foreclosure.
Fay Servicing also went to the bankruptcy court saying we were behind, and the court said unless they showed proof we were still paying every month. No matter who we contact at Fay Servicing whether it is a representative, or their attorneys they still have no proof that we are behind. The information they received from   XXXX   was incorrect. As I stated we have showed them proof of 6 years of payments copy of the check, and the amount coming out of bank account. My bankruptcy attorney tried to help me, but his expertise is in bankruptcy, not mortgage problems. We need help with these people who keep harrassing us, before they decide to foreclose when we have n't missed any payments. We have been with Fay Servicing since  XX/XX/XXXX , and just get nowhere with them to correct the problem.
Loan originator gave contradictory information, which in effect caused the loan to be denied. I am in the process of buying a house in a different city. I was told that having a job in my current city would not suffice, and that I would need to be employed where the home was located. I was told that documentation showing a transfer with my current job, or an offer letter from a new job in the city where the house was located would be acceptable. I received an offer of employment in the new city and provided the documentation showing my start date ( 3 days after the date of closing ), and my expected salary XXXX an increase from my current salary ). Capital One waited over one week from the time the offer letter was submitted to them, in order to notify me that they would need a paystub from my new place of employment before closing on the loan ( this was over 3 weeks from the time of the application ; and more than one month from the initial contact with the bank ). They did not want any other means of verification. I knew from speaking with other lenders that changing jobs would be an issue, and so I SPECIFICALLY ASKED the loan originator what the bank 's process was. He failed to mention that a paystub was required when the question was SPECIFICALLY ASKED upon applying for the loan. Had they even given the slightest indication, the faintest hint, that this would be an issue, I would have started the new job prior to close and been able to provide this documentation. Due to their lack of guidance I was not aware of this requirement, and because to the company 's pay schedule, will not receive my first paycheck until 3 weeks after the scheduled closing date.. Now I have to find somewhere to live in the new city so that I can start this job, I will probably lose the house if it is put back on the market, I am out all of the money I paid for credit checks and appraisals, and I have wasted one month in finding a new home.
This company added a collection to all XXXX credit bureau 's for a debt I DO NOT owe. I have contacted the company and asked for proof the support these charges and have gotten no response. ( see attached letter and fax confirmation ). 

These charges that FCO is attempting to collect stem from a 1 year rental agreement ( XX/XX/XXXX to XX/XX/XXXX ) with their client XXXX XXXX XXXX. At the end of my 1 year contract I chose not to renew my lease because the renewal rental rate was far greater that market rate for the home and area so I submitted my notice to vacate and moved XX/XX/XXXX. The house and carpets were professionally cleaned and the house was left in good repair when I moved out. I requested an exit walk thru appointment was told by XXXX this was not necessary and they would contact me if there were concerns to be addressed. I heard nothing further from XXXX so I assumed everything was fine until a few months ago when this collection showed up on all XXXX credit bureau files. The collection agency ( FCO ) sent me a letter and a ledger of charges from XXXX which made up the balance they were collecting and I was literally dumbfounded. I am being charged for an increase in rent for XX/XX/XXXX which reflects the renewal rate even though I was still contracted at the rate of {$1300.00} per month. I am being charged rent for XX/XX/XXXX at the renewal rate when I my lease has already ended and I had moved out. I am being charged for General Maintenance to make repairs ( what does that even mean? ), for weed spray applied to the yard, dryer vent cleaning, repainting the ENTIRE house, and the list goes on and on. Under NC law ALL the things they are charging me for and attempting to collect fall under reasonable wear and tear. I have asked for proof of the necessity of these repairs as proof of damage beyond reasonable wear and tear and defined by NC statue and have gotten no reply.
I 'm constantly getting calls from : XXXX XXXX. The person whocalled said her name was XXXX XXXX, calling XXXX XXXX, about my account w/Bank of America, last XXXX digits of the social is XXXX. 
I told them, several times now, to quit calling me. Even tho my namemay be XXXX XXXX, that is not my legal name, nor does my SS # end in XXXX and to please REMOVE MY NAME & NUMBER FROMtheir list. I get a call regarding this info, at least once a day for the last30 days, and finally I 'm fed up w/it.
I SENT MONEY TO XXXX SUCCESSFULLY FOR THE PAST EIGHT MONTHS BUT WAS STOPPED FOR CONFLICTING REASONS GIVEN BY PHONE. I HAD TO SPEAK WITH OVER XXXX DIFFERENT PEOPLE.
portfolio recovery associates placed a collection on my XXXX credit report, after they realised that i did not owe this debt threw my prior disputes on XXXX they sent a letter stateting that the collection reported to XXXX would be deleted, attached is proof of such letter, as of XX/XX/XXXXthe deletion of this account ( XXXX  acct # in my XXXX credit report is XXXX theres a different account number in the portfolio recovery associates which is XXXX its the same merchant in my XXXX credit report.portfolio recovery has not deleted this account which has caused great harm to my perfect credit
I had returned a call from a robo dialer that I received on my cell phone ( in which is a absolute no no for collection agencies to call a cell phone from ). The lady on the other line did not ask if I was the right party only if I received the call at that number, she then proceeded to tell me of a debt that was owed for a apartment complex without proper verification. She did not give the Mini Miranda as required by the FDCPA either. This company has violated laws in accordance with the FDCPA, State and Federal laws First : Calling my cell phone from a Robo Dialer Second : third party disclosure Third : No mini Miranda was given.
I filed a complaint with XXXX XXXX XXXX on XX/XX/XXXX, Complaint ID : XXXX, among other things, for national origin discrimination. Since then, Chase Bank has retaliated against me by denying me credit ( a credit card on XX/XX/XXXX ) even though I have an excellent credit history. They also retaliated against XXXX XXXX XXXX by requesting the same information from him over and over ( a photocopy of his social security number which he promptly faxed over to them ) for his credit card  application. Mind you, other than harassment and retaliation they have no reason to ask for said information. Furthermore, they have his information readily available as he is a Chase customer for over 15 years. 
Not only they denied me credit on XX/XX/XXXX but on XX/XX/XXXX they went ahead and closed one of my other chase credit card account. 
I am alleging that Chase Bank is retaliating against me based upon my national origin complaint filed against them.
I have disputed multiple  XXXX    XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Company : LoanCare Primary problem : the mortgage company failed to timely pay my property taxes ; I still do no know whether they have been paid ; the company has been unresponsive to my email and XXXX phone calls regarding the issue. 
Secondary problem : the company has incorrectly calculated my escrow amount ( by over {$300.00} per month ) ; again, the company has been unresponsive to my multiple inquiries on the issue ; based on a conversation I had with XXXX company representative, it appears the issue is a result of the company 's failure to calculate it based off the current tax assessment, and instead, the company just " guessed '' what the amount should be ; I need this issue timely addressed, as {$300.00} extra a month ( which is not actually necessary ) is not financially feasible for me.
I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-CONSUMER-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX