WillisBack/dataset-financial-user-claim huggingface dataset:
After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in   XXXX   XXXX  . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report.
The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter.
Reporting to a CRA is an act that triggers requirement for timely dunning notice.
If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).
In XXXX XXXX, I received a letter dated XXXX XXXX from Carter Young , Inc. attempting to collect an alleged debt of {$130.00}, that I was n't aware of. 

On XXXX XXXX, XXXX, I properly disputed the charge via mail, email and phone call. You can find attached a copy of the correspondence. 

On XXXX XXXX, XXXX, Carter Young sent an e-mail in order to prove the legitimacy of the debt. However, Carter Young failed to provide any physical proof showing that I ever owed the alleged amount to their client. In fact, the provided proof was a letter from their client mentioning that I once agreed to paying {$130.00} as an application fee. In addition, their client mentioned that I agreed to certain terms but failed to provide proof of my agreement. Also, as part of the proof, Carter Young sent a copy of my driver 's license picture, which was taken as part of a promotion during my visit of their client 's premises. As you can see attached, this does not appear to be neither an agreement between me and Carter Young 's client nor does it appear to be a contract to pay. 

On XXXX XXXX, XXXX, I sent another email to Carter Young asking for a copy of my written agreement  and/or signed consent to the alleged terms. 

On XXXX XXXX, I received a call from a Carter Young 's employee ( XXXX ) letting me know that their client could not provide physical proof to the agreement. In addition, she mentioned that the debt was up for reporting. I informed her that I would need all communication in writing and she sent me an email stating that their client could n't prove the debt but still needed payment for this debt. 

Carter Young is trying to collect a debt that It can not prove and is threatening to report this disputed and unproved debt. Carter Young is solely trying to collect a debt just because their client said there is a debt although they can not prove that I ever agreed to paying any amount of money to their client or ever entered into a contract with their client. Therefore, I am asking to have this collection dropped since the debt can not be proven.
Equifax willingly and purposely falsifies credit scores of consumers. I look my XXXX Equiafax score that XXXX provides for free to consumers - on XX/XX/2017 my credit score was XXXX ( XXXX XXXX ). 
After I verified my credit score of XXXX for Equifax, I went to XXXX at XXXX NY, and trade-in my old car for a new XXXX. When the XXXX Salesman XXXX pulled my credit report directly from Equifax, the salesman showed me the Equifax credit score of XXXX. 
HOW THIS IS POSSIBLE? 
XXXX states they are getting the correct information/VERIFICATION directly from Equifax AND MY CREDIT SCORE ON XX/XX/2017 WERE XXXX FOR EQUIFAX. THEN A FEW HOURS LATER, WITHOUT COMMITING ANY CREDIT ACTIONS/PURCHESES/ETC. MY EQUIFAX CREDIT SCORE WAS XXXX, OR XXXX POINT LOWER!!!!! 
XXXX, the XXXX Salesman stated he 'sees that all the time and with many of his customers - they have two different credit scores reported by the same credit reporting agency, at the same day!!!! 
Why Equifax willingly and FRAUDLY reports old credit score to businesses such as car dealerships and banks? 
THE CONCLUSION IS there is an unwritten, hidden 'agreement ' between Equifax , car dealerships, and banks to report the lowest possible, but invalid credit scores from the consumers ' past reports, so customers/consumers will not be provided with the deserved APR or best appropriate INTEREST RATES to purchases cars and/or homes. Through illegal and unlawful practices Equifax is assuring higher interest rates for many businesses in the U.S. against consumers ' lawful rights. 
AS A RESULT, I was approved for 6.19 APR or 6.19 % which will cost me {$5700.00} interest to pay for my new XXXX on the top of the regular price of {$27000.00}. Equifax pairs with businesses and banks and negatively brutally affect the finances of the consumers. 

Just a few months ago, the CFPB had a lawsuit against XXXX for committing the same fraud practices. NOW IT IS URGENT EQUIFAX TO BE HELD ACCOUNTABLE FOR REPORTING THE WRONG CREDIT SCORES/LOWER OF WHAT IS THE CURENT, TO BUSSINESSES AND BANKS. I AM TREMENDOUSLY AND FIANCIALLY HURT BY EQUIFAX. 
Prove for my case can be taken from XXXX Credit Score Report form XX/XX/2017
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( COI ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XXXX XXXX, 2015 and completed their investigation on XXXX XXXX, 2015. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.
I received a written letter from XXXX XXXX XXXX regarding an account with XXXX CO. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. I made the payment in full of {$840.00} which was withdrawn from my bank account on XXXX XXXX, 2016 ( please see attached payment receipt and bank statement ) and as of XXXX XXXX, 2016 XXXX XXXX XXXX is still reporting my account as OPEN and " Placed for Collection '' ( please see attached Credit Report excerpt ).
I am being declined for a loan product because of a foreclosure filed on public record on XX/XX/XXXX, which I was not made aware and was illegally proceeded by Wells Fargo. I was in discussion already with Wells Fargo to re-modify the existing loan due to my special hardship circumstance during the Financial Crisis ; and I was already approved by Wells Fargo for a Special Forebearance Plan by XX/XX/XXXX. Wells Fargo illegally proceeded with a Foreclosure filing, while we already had agreement on a loan restructure. I understood in my discussion with various Wells Fargo representatives ( some even violated my rights under FCDPA, which I previously reported to this Bureau but to no avail ; refer to CFPB # XXXX ) that my house would be protected from foreclosure, as I worked diligently and forthrightly during the loan re-modification process with Wells Fargo. 
As this Bureau did not reprimand or penalize Wells Fargo for their prior FCDPA violation against me, I beseech your assistance now again removing the illegal foreclosure that Wells Fargo has filed against me and is negatively impacting my credit history and preventing me to qualify for a home loan. 
It is so unfair, especially as I fulfilled all my loan obligations with Wells Fargo for the previous home loan. Wells Fargo was made whole and did not incur any loss from loan default with me. Even as they violated my consumer rights, with their predatory and illegal tactics during the process when I was re-modifying the loan. I have documented communications with Wells Fargo dating back to XX/XX/XXXX to re-modify my loan. They practiced delayed tactics to avoid working with me. Notwithstanding, I persevered and was approved for a loan re-remodication by XX/XX/XXXX. However, Wells Fargo still filed foreclosure on the property illegally, without my knowledge.
XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it  May Co ncern :   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX .  XX/XX/XXXX   XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Hello. I pay my mortgage monthly every month prior to the due date. I split each monthly payment into ( 2 ) partial payments using online bill pay, because of the way that I am paid. Nationstar misapplied my payments ( 3 ) months in a row. Each month and each time I called Nationstar before it was 30 days delinquent. Each time/month they said they corrected my payment and each time that they would set up a " tier '' system so that my payment would get applied correctly. Each month, I had to call multiple times, as my payment would not get corrected again and again. Each time they said my credit score would not be affected. To make a long story short, I monitor my credit and noticed it dropped over XXXX points from the last time I viewed my score. Nationstar reported my payment as 30 days late in XXXX 2015 and I have proof through my online banking that it was paid EARLY!! Please help get this inaccurate and false information removed from my credit report. Thank you.
Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.
I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. Please help.
well at first it basically it had every thing right but the chapter of Bankruptcy I filed so I disputed it along with other info of credit cards and loans that had the same thing. it first said undesignated chapter so when I disputed it and told them it should be a chapter XXXX Bankruptcy and that it should say discharged. So after a few weeks Experian sent me the disputed results. now it saying I had XXXX Late payment in XXXX of XXXX oh it also says Charge Off as of XXXX XXXX and that it was a chapter XXXX in XXXX. I had filed for chapter XXXX on XXXX XXXX, XXXX so I know that I was not late and Had Never in my life filed for chapter XXXX. So then I had tried to dispute it again and the sight will not let me. so I also contacted the creditor of that account and was transferred to XXXX different people and they said they had no information on it and then basically hung up on me because I told them I wanted it fix or I will call my Lawyer.
XX/XX/XXXX I closed an account with GE Money Bank/Care Credit. The balance owed to me was {$120.00} however GE Money Bank would only acknowledge {$39.00} of the {$120.00} actually owed. It was XX/XX/XXXX, national banks did whatever they wanted. The consumer had no rights whatsoever. 
Fast forward, to XX/XX/XXXX, I get a notice from Synchrony Bank that account ending in XXXX had a refund balance of {$39.00}. I jumped through all Synchrony 's hoops and returned the requested form three ( 3 ) times via certified mail. Synchrony still claims that they are investigating the refund or it has been forwarded to a third party vendor or it was refunded to the state of Illinois. The correspondence from Synchrony Bank states that the account is owned by Synchrony Bank so the investigation and 3rd party vendor claim is just another pack of national bank lies. The State of Illinois Attorney General, XXXX XXXX, Case # XXXX, states that she has not received a response from Synchrony Bank.
I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following account and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department in regards to the above accounts. The police report case number is : XXXX
In XX/XX/XXXX we were hit by the hurricane Harvey.  I live in XXXX. I called Capital One they gave me a 3 month extension in paying my bill. I used the three month extension and my payment was due in XX/XX/XXXX which I paid on time. My credit report is showing a late payment for XX/XX/XXXX. However, statements do not reflect any late payments listed on my XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX statement. I have contacted Capital one to get my credit report updated. They arestating that the late payment that is reporting for XX/XX/XXXX is correct. I did not pay a late payment fee for XX/XX/XXXX. The late payment that is reporting on my credit is  not correct and I would like to have it removed and my credit report for all 3 agencies corrected and updated.
I received a letter from my bank denying me credit because of an Equifax report that indicates I have XXXX high balance/delinquent accounts. This is not true. I do not carry a balance on my cards from month to month. Also, according to this report my credit score dropped from mid XXXX to XXXX in a matter of 5 days. 
Annual credit report.com site claims I have already received all XXXX reports this year and I have not asked for nor received same. Please help!
I purchased a   XXXX   XXXX   XXXX   on  X/X/17  I paid  XXXX  in cash and a trade in of a   XXXX   XXXX   XXXX   for    XXXX    in which they deferred another  XXXX  up in  four  payments of   XXXX  . The first payment made on  X/XX/17  the motor blew up and I was without a car for a week and was n't reimbursed for my rental for almost  three  weeks. I was informed that the replacement motor was also defective so they were going to give me a newer model   XXXX   XXXX   in which his all transpired on    XXXX   . I then realized they had made the mistake on the payment dates and I called them and they adjusted that for me which took a few days. Well on     XXXX   XXXX   XXXX     I realized that they had n't pulled my payment out I called and realized my credit card had been stolen and money in my account was compromised. So I called my bank they stopped the card issued me a new one and I kept in contact with CNAC to let them know as soon as I get the new card payment would be made. During all this myself and Co-signer   XXXX   XXXX   had both changed jobs. In which I disclosed to CNAC as well. So on  XXXX  I received my new card spoke with a  XXXX  we tried to run the payment  three  times did n't go through, it was after bank hours so I had to wait till sat  XXXX  to call bank they realized something was wrong with cars said they would issue anothe r one. Well Mon day was a holiday. Tuesday  XXXX  when I got off work tried to call to make payment and CNAC was closed.  Forty five m in later repo people were at my door. I called CNAC on  XXXX  right at   XXXX   XXXX   to make a payment was treated very rudely and disrespected put on hold fo r five m in then was told management made a decision that they were n't going and further with the relationship with me. O trie d two mor e times to make the payment which by   XXXX   was only 12 days late and in the amount of  XXXX . I just want my car back and continue to work and provide for my family. Please help me I feel this is unfair.
Our bank for decades ( XXXX XXXX, XXXX XXXX, IL ) was absorbed by MB Financial. Their online system does not provide the same service as the old system, which is okay, I can do things manually. However, I need my ( XXXX ) statements every month and they now want to charge me {$3.00} apiece to have them mailed to me. This is a small business account and comes to XXXX pages a month. How can they be allowed to hold my information hostage in this manner?
I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!
I gave Quicken Loans Good Faith Money in the amount of {$500.00}. I continued to shop my loan and received a better GFE from XXXX XXXX, I gave Quicken the chance to match the GFE and they could not. Since the Good Faith money is 100 % refundable I requested a refund. Quicken loans says they cant return my deposit.
Upon checking my reports on  XXXX   XXXX  via  XXXX   XXXX  I noticed that my active up to date  XXXX  account was removed from my Equifax report.
I had filed a complaint about fraudulent activity on my account with Chase bank and issued a alert after the following transactions caught my attention : XX/XX/XXXX {$33.00} XXXX XXXX XXXX online # XXXX XXXX IL dated XX/XX/XXXX XX/XX/XXXX {$170.00} XXXX XXXXXXXX XXXX XXXX.my pa dated XX/XX/XXXX these transactions alerted me to theft on my account going back nearly 1 year. Most of which i did not catch because the previous theft was kept relatively low, averaging about {$19.00} per transaction, which is roughly what i spent daily in fast food and other miscellaneous items. 

I stopped the activity and contacted my bank by phone. i also went to the bank in person. The money began to be placed back in my account and i believed they would investigate my complaint. Not a week later, they reversed the refunds and stuck me with the fraudulent charges. I called and they told me it was my fault and they could do nothing about it. I was further told that they would " investigate '' but they have not been more specific about what this will mean. All i know is that a bank which i have been with for over 10 years and with which i have never had a previous complaint has stuck me with debts which are not mine and punished me with this debt which has caused a serious financial hardship on me. I work XXXX jobs and have had neighbors buying me food and sharing food with me because of the recent fraud and the bank not protecting me from such activity, The amounts spent online which are not mine were also taken back. i need help with this matter as i have no confidence with chase to help me.
Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. Commerce Bank- Hard Inquiry XXXX XXXX- Hard Inquiry XXXX- Hard Inquiry XXXX  XXXX- Hard Inquiry
I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe
My client, XXXX XXXX, has an account at XXXX in XXXX, Tennessee and he wire transferred {$38000.00} to me XX/XX/2015, Wells Fargo account number XXXX. Wells Fargo claimed the funds were stolen and told me the funds were sent back to XXXX. XXXX claims they have no knowledge of the funds being sent back.
This is ridiculous no one at Capital One intends to resolve the matter. I have contacted your agency and the company to get NO RESULTS! I DEMAND a resolution or intervention from your agency as you stated you would. I can be reached at XXXX