WillisBack/dataset-financial-user-claim huggingface dataset:
EQUIFAX, XXXX, AND XXXX IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.
On XXXX XXXX XXXX I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that verify and send me proof of verification of the derogatory items on my credit file per the FCRA section 609 ( a ) ( 1 ) ( A ) they failed to do so and continue to report the negative items on my credit file. They are breaking the Federal Laws.
I purchased a car from XXXX XXXX in XXXX Texas. XXXX XXXX, 2014 I got behind on my payments, I am a college student, they repossessed the car. I paid to get the car out of repossession. I have been paying and am still paying on the car, however, no purchase or payments are showing on my credit report. It is like i am paying on a ghost car. When I called Drive Time/ Bridgecrest, they say they ca n't post the payments on my credit. I just found out about this when I went to go to purchase another car and the y ran my credit. The car is not on my credit report and now it is having repair issues.
In the summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted my TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. This computer glitch was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. All dates are listed below. These inquiries add a hardship and my rights were violated by TransUnion. Please make TransUnion stop victimizing me for their mistake. As a resolution, I request that all TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
XXXX XXXX, a contractor, in XXXX sold me an ac unit. They offered financing and told me i needed to submit an application through XXXX XXXX in order to get financing offers through XXXX XXXX and XXXXXXXX XXXX at special low interest rates. The salesperson 's name was XXXX XXXX and the owner is XXXX XXXX. They lied. On XX/XX/2018, this caused a hard hit on my credit report and XXXX was the actual financing company. I have excellent credit and this cause my score to drop 10 points. They offered me 18 % interest and wanted me to pay {$11000.00} for a {$6200.00} 14 seer ac. XXXX  was trying to rip me off so i did not use them and i paid on my credit card instead. I contacted XXXX XXXX. XXXX said he would call XXXX to have the inquiry removed because the salesperson should not have lied to me about XXXX being the financing company. I also called XXXX, they would not remove because they said it wasn't fraud. I told them i submitted the application under false pretenses. Please help. I spoke with XXXX at XXXX and her manager. XXXX. XXXX 's number is XXXX.
XXXX never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XXXX/XXXX/2017 and verify that the medical debt was mine and recieved no response.
-While pursuing our mortgage commitment through Bank Of America ( BAC ) for our new house, we realized that another customer ( XXXX XXXX ) was sending messages to their customer service via the online message center as us ( the messages showed up in our account ) -In this message he expressed concern about communication that he was seeing from BAC to another customer ( us ) -He stated that he is seeing mortgage applications filled in with our data -We brought this up with XXXX XXXX ( our loan officer at the time ) and his manager. They offered us a credit monitoring service but were unable to let us know what data of ours they had exposed to the other customer -We repeatedly kept asking for proof of what information was leaked and they kept giving us excuses and telling us that the information is not stored anywhere Having worked in IT my entire career, I continued to call them out on their excuses and after escalating the issue, we had a conference call where his manager agreed to credit us {$6100.00} for the trouble that they put us through -When we reached out to them to get our actual mortgage, they said they will not honor the credit and atone for a mistake made by an officer that was no longer there.
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law 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 inquires listed below are not deleted within 10 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back inXX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust experian credit reporting company to comply and follow what XXXX XXXX  is telling them to do. I have had major problems with experian in fixing my credit report to show correctly.
Sears continues to report that I have a collection balance owed to them for over {$2000.00}. This is incorrect, as I legally settled this debt in full with their attorney, XXXX XXXX XXXX XXXX, in the past. This account should now report {$0.00} owed. I have disputed this account at XXXX, XXXX, and XXXX XXXX ; but Sears continues to tell the credit bureaus I owe them money, when this account has already been settled in full. I am attaching a copy of the settlement with the Sears attorney, but you can also call the attorney at XXXX, to confirm the account has been resolved.
Back in XX/XX/XXXX USAA decided to restrict my online account access to USAA.com preventing me from seeing or accessing any of my accounts. On XXXX XXXX 2017 there was an ACH withdrawal for {$4000.00} which simply stated member generated. Seeing as I did not have access to usaa.com I do not see how I could have generated this ACH withdrawal, but seeing as there was no other identifying information I promptly requested more information from USAA to help identify the transaction. I made this request multiple times throughout XXXX and XXXX of 2017. Now in XXXX, I received letters stating I disputed the transaction and am asked to sign all these papers stating I did not authorize the transaction I still have no information on. USAA failed to do provide information on this transaction as requested yet demands I send in a signed affidavit stating I did not authorize a transaction I simply have not been given any information on in order to identify it. Furthermore, the letters request XXXX upload the documents on USAA.com which I am restricted and unable to do.
I am complaining in general about calls from XXXX companies. In this case Loan depot. I got an email that I can get XXXX percent refinance rate. The loan officer kept insisting on running my credit and said that I will have good rates if my credit is excellent. After doing all that he says I have to pay XXXX points to get XXXX percent. He could have told me before and not wasted my time. I had told him that my credit is excellent still he would not give me any numbers. My complaint is that he unnecessary ran my credit and wasted my time.
Complaint against : Citicorp Credit Services, Inc-XXXX 

I submitted a billing dispute request against a retailer which Citicorp responded on XX/XX/2016 requesting additional information/documentation/evidence of my dispute ; which I followed up on XX/XX/2016 with all requested documentation. 

Apparently it seems they made a decision ( in favor of the XXXX ) not to honor my dispute request without viewing the requested evidence. Nor did they bother to inform me of this decision. 

When I phoned the XXXX Department to follow up I was informed at that time of their decision which I requested to speak with a Supervisor due to the lack of respect and Customer Service provided.
I bought a XXXX Chevy Silverado around XXXX XXXX. The 72 month contract had the terms listed and showed I would pay {$6500.00} in finance charges over the life of the loan. As of 3-4 months ago, and after manually adding all finance charge made on the loan, I 'm well past the {$6500.00} and I still have over a year left to lay on the loan. 
I 've made payments well above and beyond the monthly contractual amounts, but Ally keeps taking out finance charges. For example, my account is now due for the XXXX/XXXX/XXXX month payment. They have told me on several occasions that if I make an additional payment on my account, even if I want it to go to JUST principal, they will take finance charges out of it anyway. At this rate, I will be paying nearly $ XXXX- {$8000.00} in finance charges for the life of the loan. 
The initial disclosure of finance charges was so far off. I was mislead and my account is being mistreated. If my account is up to date AND is n't due for for another 5 months, I should be able to clearly make JUST principal monthly payments!
1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.
we did a modification, we were approved with XXXX XXXX XXXX this was in XX/XX/XXXX as soon as we were approved they denied all at the same time. sent mtg, payment back to us and sold to select portfolio services. they 're not working with us. we obtained a lawyer, fee of XXXX a month who was suing XXXX. were now in forclosure we dont have a payoff amount it goes from XXXX, XXXX and then XXXX and back to XXXX we found this much out because were trying to do short sale and obtain our equity from the home, but now it going into forclosure. our parents left us this house, we did probate were abused in the refinancing of the propety, its been a struggle since XX/XX/XXXX the percentage has alwys bee 19 % never went down. we were said too so many times '' pay on time for a year and the percentage will go down with monthly payment. '' that never happened. we borrowed off the house in XX/XX/XXXX to do just what they asked. continue paying on time and things would get easier. that was not true. the money borrowed paid mtg. for XXXX years on time, the note was XXXX monthly. then XXXX started forclosures then stopped, because we had help from Harp. they lowered the mtg. to XXXX monthly that lased for about XXXX years. thats how we arrived in this situation now. we did the siminars thats how we were approved for our modification in XX/XX/XXXX then it was revoked in the same month. as of today were in forclosure and trying to make sure were not wrong but we were abused and taken advantage of. were looking for justice somewhere so i started here, i do not know what else to do. we 've been here since XX/XX/XXXX please help. i Need to know if XXXX XXXX XXXX is still acountable for all of this. Select portfolio services is having problems and complaints of their own, why would they take on this loan and not want to work with us but force us out. i beleive they knew what was happing with XXXX and should not have been able to get this loan and there was a legal suit filed against XXXX XXXX XXXX?
XXXX2011 for {$320.00} I called the company Pinnacle Credit Services told them several times that this account is not my account because address does not match, city does not match, & I already have a account with XXXX so how do I owe them & I already have account already for 8 years does not make since, Told Pinnacle Credit Services to remove this account from my credit report several times as of today the company has not did so total illegal what this collection company is doing, Pinnacle will say anything to keep the account on credit report even do its not your account.
I wrote a check from my Citi checking account payable to myself on XX/XX/XXXX for {$15000.00} and deposited it at another institution. Citi placed a fraud block on the account and sent me a text message asking to approve or deny the item XX/XX/XXXX. I approved the item within seconds of receiving the text and got a confirmation the item would be paid. The item was returned by the XXXX XXXX XX/XX/XXXX referencing the Citi account freeze and I was charged {$15.00} by the XXXX XXXX. Due to Citi 's ineptness and no time to write another check I pursued an online wire through Citi and was charged {$25.00} by Citi. I am requesting the {$25.00} wire fee reimbursed. Citi customer service said they can not or don't know how to do that.
The company that I work for did a criminal background check for a promotion, I was denied that promotion due to inaccurate information. XX/XX/2016, I received XXXX XXXX, I was informed by the judge and my lawyer that it should take up to two weeks for the felony to be dropped from my record. I have contacted my lawyer as well to understand what went wrong.
Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. 
" This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''
There was a fraudulent account opened with XXXX XXXX without my knowledge. I was able to get the account closed and removed, but I was not able to get the hard inquiry removed. I tried to dispute the inquiry with both XXXX XXXX and with the bureaus, but the claimed they could not remove it and it would just " fall off. '' Not sure what else to do, but I don't want to wait until it falls off.
Delta sky miles American Express card Signed up for card with delta agent at airport for XXXX miles -also received delta mailing with XXXX offer ( thought it was welcome kit ) also received card and separate mailing with pin. when I called to activate card and confirm I received offer of XXXX miles with $ XXXX purchase in 1st 90 days - Advised by Amex rep I only have XXXX mile offer - and she could/would not change - I asked for manager - she advised none avail all in meetings. After over 30 min requesting correct offer and supervisor - rep advised she would file case for me. She advised it would take 8 weeks - ironically- offer would expire by time case resolved - I feel I have been deceived and scammed. Rep not helpful and not willing to escalate to supervisor. I requested supervisor call back after XXXX XXXX next biz day - recvd call at XXXX XXXX - advised I could not take call during work - asked for number to call back and supvr name - advised she would/could not give her number and I requested call at XXXX Now XXXX XXXX no call from Amex - i feel this is extremely deceptive - classic bait and switch - offered one promotion and not enrolled properly - I offered details and still denied the appropriate offer. Amex case process does takes 8 weeks so participants can not earn XXXX reward. Big company making it so difficult to resolve issue that consumers give up! Please help consumers stop the bullying by big financial services companies!
Since I opened this account for my fiancee 's engagement ring with wells fargo I have made payments exceeding the minimum and if I worked overtime several payments a month. then in XXXX and XXXX this year I made XXXX payments in early XXXX and Early XXXX, but for some reason they refused to recognize the XXXX payments and charged me a late fee and did not credit me with any payments in XXXX stating I owed XXXX dollars with a 25 dollar late fee. They have been unwilling to recognize the payments or waive the late fee at this time. I make payments the day my pay checks come in every other week and hope to get the billing cycles moved to recognize the paycheck that arrives during the first 10 days of any given month will be gauranteed to be recognized on the billing statements since they seem to shift when the cut off.
I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX
I took over a mortgage cause the owner passed away I have fallen behind on payments but I will be able to pay the next payment plus a little more to try and get caught up I need help to see if the bank will work with me
MY NAME IS XXXX XXXX, SSN XXXX, DOB XX/XX/1986 I HAVE HAD SEVERAL ISSUES WITH TOTAL VISA CARD AND THEY FAIL TO MAKE THINGS RIGHT, I RECEIVED LATE MARKS ON MY CREDIT REPORT, I ASKED FOR A GOODWILL REQUEST AND IT WAS DENIED STATING IT WAS ACCURATE, I AM NOT DENYING THE VALIDITY BUT THEY NEVER SEND ME STATEMENTS, THEY NEVER CALLED ME TO REMIND ME OF PAYMENT, I HAVE NEVER TALK TO THEM AND WHEN I DID THEY SAID IF I MADE A FULL PAYMENT THEY WILL REMOVE THE LATE MARKS WHICH THEY LIED BECAUSE NOW THEY ARE SAYING THEY WILL NOT. I AM GOING TO SUE THIS COMPANY IF THEY DO NOT REMOVE ALL LATE MARKS AND REFUND LATE FEES TO MY ACCOUNT, BUT MOST IMPORTANTLY ALL CREDIT LATE MARKS MUST BE REMOVED FROM MY CREDIT REPORT, I AM UNABLE TO GET A MORTGAGE THANKS TO THEM, I DEMAND THAT THEY SEND ME DOCUMENTATION STATING WHY I DONT RECEIVE STATEMENTS, ALSO WANT RECORDINGS OR PROOF THAT THEY ATTEMPTED TO CALL ME TO COLLECT PAYMENT IF THEY FAIL TO PROVIDE ME WITH THAT THEY MUST REMOVE LATE MARKS UNDER FEDERAL LAWS OF CREDIT REPORTING OR I WILL BE FORCED TO SUE TOTAL VISA CARD AND XXXX XXXX XXXX
TODAY I RECEIVED A LETTER SAYING THAT THEY TERMINATED MY ABILITY TO USE MY CREDIT CARD WITH FIRST NATIONAL BANK, OMAHA. INCLUDED IN THIS LETTER, WAS A DEMAND FOR THE CURRENT BALANCE OF {$250.00}. THEY INCLUDED A CONTACT NUMBER TO MAKE IMMEDIATE ARRANGEMENTS TO PAY THE OUTSTANDING BALANCE. WHEN I CALLED, THEY INFORMED ME THAT THEY HAD TERMINATED THE ACCOUNT, DUE TO A SERIOUS LATE AND NO PAYING BEHAVIOR PATTERN. WHEN I SPOKE TO A LADY, SHE STARTED NAMING OFF DATES THAT BOUNCED CHECKS, NFS AND CONSISTENT LATE PAYMENT BEHAVIOR WHILE USING THEIR CREDIT CARD. FIRST OFF, I DO N'T USE ANY CHECKS. THEY REFUSED TO GIVE ME THE CHECK #. WHEN I ASKED THEM TO SEND ME A LETTER DOCUMENTING ( DATES ) BOUNCED CHECK NUMBERS, CONSISTENT NFS AND LATE PAYMENTS, OVER THE PAST YEAR OF HAVING THEIR CC., THEY SAID THEY COULD NOT DO THAT. THEY THEN SAID THEY WERE REFERRING TO AN NFS ON XX/XX/XXXX & XX/XX/XXXX AND A BOUNCED CHECK ON XX/XX/XXXX, PLUS THE ATTEMPTED TO AUTO DEBIT XX/XX/XXXX BUT I HAD CLOSED THE ACCOUNT. I AM NOT REQUIRED TO HAVE AN AUTO PAYMENT ARRANGEMENT. THIS WAS CREATED TO MAKE SURE THAT I DID N'T FORGET TO PAY THEM AGAIN. I CLOSED THE AUTO PAY ACCOUNT AND MADE A ONE-TIME PAYMENT ON THE XX/XX/XXXX. THEN THEY SAID THAT 2 LATE PAYMENTS CONSTITUTED A VERY SERIOUS DEROGATORY PAYMENT PATTERN, BEHAVIOR. TO BEGIN WITH, THIS WAS AN ACCOUNT THAT I HAD TO PAY TO OPEN AND I THOUGHT I HAD A GOOD PAY HISTORY WITH THEM. I DO NOT WANT THE ACCOUNT REOPENED. INTENT IS MY CONCERN. THIS ACTION ALLOWS THEM TO SEND A BAD REPORT TO THE XXXX CREDIT BUREAUS AND BY ASKING FOR THE TOTAL BALANCE, WOULD ALLOW THEM TO FURTHER DO THEIR CHARACTER ASSASSINATION, BY COUNTING THE DAYS IT TAKES TO GET THAT TOTAL OUTSTANDING BALANCE. INTENT IS THE ISSUE HERE, AS I SEE IT.
I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
Notified company that statement was NOT received. Disputed late and extra interest charges applied. Statement date was XX/XX/2015. Company responded by filing a complaint on my credit reports.
On XX/XX/2018 I submitted to company for validation not verification of debt according to the Fair Debt Collection Practices Act. They have reported negatively to all three credit agencies.I asked them to provide me with their license number, agent of service and that they are licensed to collect in my state. I also asked for a copy of any signed agreement that I have made with this Collection Agency or other verifiable proof that I have a contractual obligation to pay Collection Agency according to the FDCPA.

They did not provide me this information, but instead sent a bill that is not even in my name. I paid the final bill and turned in the equipment, I lived in an apartment complex at the time I had service, which means that they have multiple accounts in one given unit. 
I left the residence and XXXX turned on service under the other 's name without properly closing out the account under my name. 
I am going through divorce issues, but that is no reason this is something this collection agency is going after me instead of the name on the account.