WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted to access my credit report multiple times. The information that they use to verify your identity is completely NOT MINE. I have requested they fix this, most recently a month ago. This has been going on for years. There is another person in a neighboring city with the same name as I have, but without the suffix XXXX. I am attempting to verify and I have included the questions below, which none apply to me : Your credit file indicates you may have a mortgage loan, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX OF OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE What is the total monthly payment for the above-referenced account? 
{$1300.00} - {$1400.00} {$1400.00} - {$1500.00} {$1500.00} - {$1600.00} {$1600.00} - {$1700.00} NONE OF THE ABOVE Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE THEY REFUSE TO FIX IT. PLEASE HELP.
Dear CFPB, Thank you for allowing me to submit this complaint. 
XXXX XXXX XXXX XXXX recently submitted to Transunion a credit reporting agency that I was 30,60,90 days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from XXXX acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
~XXXX XXXXXXXX
I have disputed the inaccuracies of these debt from    XX/XX/XXXX   to the  present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from   XX/XX/XXXX  and t he original debt was disputed with  XXXX   XXXX  as well as the previous collection agency and removed off my credit report. The apparently resold the deb t to Calvary Portfolios LLC wh o re-aged the debt to look as if I recently purchsed the vehic le On  XX/XX/XXXX  whic h is inaccurate and falsified.
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX+ years however the debtor is also reflecting the account/charges were just recently opened XX/XX/XXXX months ago?
Augusta collection agency has been threatening to arrest me because of a past due medical bill. They stated that they would send the sheriff to my job. Under distress, I signed a payment agreement that I would pay them XXXX dollars a month and I would pay the remaining balance in XXXX if I received a tax return. I only received XXXX dollars on my Federal return and I owe the state XXXX and they are threatening to sue me if I do not let them have my tax return information.
I have been calling TransUnion since XXXX XXXX I have called TransUnion on several occasions on trying to get some hard inquiries removed from my credit report I have been told on several occasions by TransUnion representative that I would have to reach out to the Creditor or to the person or people who placed the hard inquiry on my credit report. I did that I called every creditors on my credit report explained to them what I was doing. On XX/X/2017. I sent a certified letter to TransUnion with a list of all the hard inquiries and the companies that furnish the hard inquiries in my report I 'm asking in my report for them to be disputed on XXXX XXXX XXXX I called TransUnion to make sure that they had received my letter I was told by one of the TransUnion Representatives that they had received my letter.the representative explained to me that they received my letter but they do not do disputes.the representative told me my dispute letter would go without a response because they do not do disputes. I have done what TransUnion has asked of me. But I am still not able to get results from teansunion.below is a copy of the letter I sent transunion.
I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
I recently requested copies of my credit report in  XXXX   XXXX  to review for accuracy. I noticed a negative reporting account fro m Portfolio Recovery and immediately sent a request via certified mail to request validation of this debt. Portfolio Recovery was in  receipt of this letter on  XX/XX/XXXX . I also disputed this information with the credit bureaus who stated th at Portfolio Recovery valida ted the request they sent. I received a letter dated  XX/XX/XXXX  fro m Portfolio Recovery statin g that I allegedly owed {$360.00}. There are several issues with this negative account being listed on my report and a lot of the information makes no sense and I am hereby requesting immediately deletion of this account for the following reason.  <P/>  1.  This company is reporting and has validated with the credit bureaus an amount that contradicts the paperwork they have sent me. My credit report has an alleged debt listed in the amount of {$360.00}, however they have sent me a letter, on th eir OWN letterhead that states an alleged amount of {$360.00}. This is a direct violation of the FDCPA 808 ( 1 ) Unfair Practices that states " ( 1 ) The c ollection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.  <P/>  2. Per my hard copy credit report, Portfolio Recovery claims th ey verified data that does n't even make any sense. They have reported to  XXXX  that the account was open on  XX/XX/XXXX , however also reported the " date of  XXXX  delinquency '' is  XXXX  and also the " date of major delinquency  XXXX  reported ''  XXXX . How can you report the account was opened in  XXXX  but state the date of  XXXX  delinquency is  XXXX ? This makes absolutely no sense.  <P/>  XXXX . I have never entered into a contract or agreement and have never done business with  Portfolio Recovery.   <P/>  4. This alleged debt does not belong to me and Portfolio Recovery h as failed to provide accurate information or validation of this alleged debt.  <P/>  5. Portfolio  is unable to provide me with an agreement between them and the original creditor they have listed.  <P/>  Portfolio Recovery  has been known to display deceptive tactics in order to collect monies from consumers and has been fined previously by  the Consumer Protection Finance Bureau ( a s recent as (  XXXX  ) and this a perfect example of this tactic.
I received two mailers from Chase to apply for the Business credit card. Why don't Chase advertise or specify whether this is just a offer or approved one or on what basis they sent this promotion for me.

When i applied for this credit card ( where my credit score is more than 800 ) but still it is being declined. If Chase has to decline my application they should not have sent me this offer twice via mail, right?

It hurts my credit score and i have some specific doubt about Chase - what kind of practices they are following just to cheat the regular folks like me.
capital one refuses to remove the fraudulent account on my credit even though they lost a judgement against me and the case was thrown out of court,
Debt Buyer XXXX XXXX reported on my credit as a new open account opened XX/XX/XXXX and negative reported XX/XX/XXXX. Called and they stated it was for XXXX XXXX, an account I never had, refused to provide contract - stated opened XX/XX/XXXX not XX/XX/XXXX - faxed letter of dispute refused to open, they are a debt buyer not the original creditor illegally reporting on my CBR for an account beyond the Statute of Limitations that does n't even belong to me
I sent a certified letter to chrystler capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. By law Chrystler did not supply the info within the 31 days required by law validating the dispute. Chryster has admitted that they have broken the law by not responding in case XXXX which also had supporting documents attached. They claimed that they never recieved the second certified letter even though they signature was attached to this file. everything chrystler is doing is deceptive and crooked, and they hae broken the law multiple times
I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with.     This collection agency has stated that I owe them {$2400.00} and is continuing to ruin my credit file.     They have sent paperwork for a loan that claims I took out a loan for {$1800.00}. This is n't even the same amount they are telling me to pay them.     I have taken out previous loans with the original creditor and paid them all off on time.   I believe they have pulled something that appears to be a signature of mine from past accounts.     I do not know who " Clark County Collection '' is, nor do I have any type of contract with them that I am obligated to pay them or owe them money.     They claim to have sent me a letter in  2013  that I NEVER received or I would have fought this back then!     This needs to be removed from my credit file immediately!
I rented an apartment with my now ex. We finished our first lease and renewed the lease for a second year. We started having problems in our relationship and I moved out XX/XX/XXXX, the lease ended in XX/XX/XXXX. The lease was paid in full. My ex decided to stay in the apartment. I never resigned a lease and from my knowledge they allowed him to stay in the apartment and extend the lease without my signature for a new lease. I had told them that I no longer live there and do not want my name on the lease anymore as the original lease had ended. The lady in the office said I ca n't take your name off of the lease because XXXX does n't make enough income to pay for the apartment. I fought with her telling her that my lease ended and I no longer live there. So she knew that he could n't afford the apartment and still let him live there. He ended up defaulting on the lease in XX/XX/XXXX. Almost a year after I had moved out. There was also damages to the apartment that are charged in addition to all the late fees and court costs. 
I have a letter from XXXX himself stating that he is solely responsible for the lease and apartment. Also the bill that the apartment complex sent out was ONLY billed to him. I have been fighting with the collection agency letting them know that I was not a resident after my lease contract was completed and paid in full for the duration of the lease. I never renewed or resigned anything after the lease ended in XX/XX/XXXX.
On XXXX XXXX XXXX, I called Wells Fargo and asked about six ( 6 ) CD that my mother had put into the bank they purchased XXXX XXXX XXXX XXXX They told me that they had send all unclaimed funds to the State of AZ. I called the state and they said they had no recorded of receiving the CD and to call the lost funds or unclaimed documents of Wells Fargo. 
On XXXX XXXX XXXX I sent an email with the POA and copies of the CD as well as a COD of my mothers mother asking them to find the funds and release them or to give me the amount, date, they sent the funds to the state of AZ. Then I followed up with another call and spoke with yet another person who stated they did not have any recorded of my sending an email so I resent the email on XXXX XXXX and not only did I receive a email response but I got a call that they had received my email and had forwarded it to research /legal. was to give them five business days to find the information. XXXX XXXX XXXX, XXXX, I called as another attempt to follow up and they said they had no record of the first two emails and could I send it again. I will attach all documents I send so they will be attached to this complaint. Again they are giving me the run around and I believe they are trying to keep my mother funds.
I have been with LoanCare for the past 10 months and on XX/XX/XXXX i  refinanced my mortgage with another lender. LoanCare sent my escrow in to cover my taxes 10 days prior to close knowing I was in a refinance. The tax office sent a {$2300.00} refund back to LoanCares 3rd party tax office XXXX which in return sent the refund back to LoanCare once it was processed. LoanCare received the refund at their office on XX/XX/XXXX. I have called numerous times and spoke with 3 different supervisors who have stated that they have escalated the refund information to their tax office to issue a check to me. I have called everyday and get different information as to the status of my refund. XXXX received the refund from the county tax office back in XXXX after I closed.
My complaint is with the Emergency Room Hospitals in XXXX Florida. I went to the ER and was admitted, bills were submitted to XXXX and paid. However, a doctor in the ER did not submit his billing until a year later and due to my move, 2 years later ( this week ) it was on my report. XXXX was contacted and they never received the bill. This has happen numerous times and now its on the report. In addition, TransUnion put it on their report XXXX and now I am denied housing. XXXX is going to pay as soon as they contact the hospital. This is unjust to the consumer/patient when you provide the information and all these doctors you have no knowledge of bill years later!!! I was at XXXX XXXX Hospital in XXXX, FL. XXXX XXXX XXXX Hospital also billed separately but I was still located at the same address and was able to resolve it with XXXX. Finally, on the report it states I have another name of XXXX XXXX This is not my name and never have I used this name. I want it removed.
In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates FCRA.
I have been writing letters to Equifax for over a year citing the blatant violations of my rights under the Fair Credit Reporting Act. They are reporting a bankruptcy that has an inaccurate docket number and filing date and is outside the statute of limitations. The other XXXX bureaus XXXX and XXXX have removed the bankruptcy because they could not properly validate it so I do n't know why Equifax is still reporting something that is obviously wrong. I have been refused action and dismissed as a frivolous consumer and this makes me angry. The bankruptcy was never filed and is dismissed, I do n't feel it should be reporting at all because I never went through with the bankruptcy. Equifax is ignoring the proof that i have that they have violated my rights and I am at my wits end because from my standpoint I have done everything I have needed to do and they are abusing their power.
I WAS A WELLS FARGO CUSTOMER FOR OVER 10 YEARS. I HAD MY ACCOUNTS AND MAINTAINED THEM VERY WELL AND IN GOOD STANDARDS. WELLS FARGO DECIDED TO CLOSE MY ACCOUTS DUE TO " IMPROPER PRACTICES '' THEY THEN CLOSED MY CREDIT CARD AND STATED THAT THEY NO LONGER WANTED MY BUSINESS BECASUE THERE WERE " FRAUD '' ON MY CC. I NEVER RECEIVED ANY CALL OF FRAUD ON MY CC AND I NEVER COMMITED ANY TYPE OF FRAUD. ALL MY ACCOUNTS WERE SHUT DOWN WITHOUT JUST REASONS AND ALL THEY CAN SAY WAS FRAUD AND THEY NO LONGER WANTED MY BUSINESS. THEY NEVER EXPLAINED TO ME ANYTHING OR CALLED ME. I CALLED ONCE AND NO ONE THERE COULD GIVE ME AN ANSWER AS TO WHAT WAS GOING ON AND THEY TRANSFERRED ME FROM DEPT TO DEPT AND NO ONE WAS ABLE TO HELP OR GIVE A CLEAR REASON.
I have ask this company to provide documents that shows I owe them money or been in business with them but they have failed to provide such documents. they jus claim that the information is verified but have failed to provide proof.
XXXX continues to bill me for a paid service, my medical insurance paid this bill, They have turned me over to collection, and added $ XXXX in added fees .I previously contacted them to contact XXXX and Medicare. My XXXX per their clause XXXX : XXXX { B } { XXXX } requires provider to accept XXXX allowable as full payment.
American Express receives credit and payments but doesn't update the balance. They also add unnecessary late fees and try double existing charges. They are even trying to prevent me from having a balance transfer.
I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.
On XXXX XXXX I submitted full payment on the balance due on the account. This should have ended the issues I have been having with excessive interest charges, bringing the account to a {$0.00} balance. 

The payment due date was XXXX XXXX. 

On XXXX XXXX I am charged YET ANOTHER INTEREST FEE of {$16.00}
I have reached out to XXXX XXXX on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX and XXXX. XXXX removed it per my request and demand, however XXXX  won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, Capital One and then again by the collection agency, XXXX XXXX. XXXX XXXX fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

A copy of my photo ID has been attached.

I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.
In 2012 Hurricane Sandy had totaled my truck. I was told that my insurance at the time, XXXX, had paid out the value of the truck and the GAP insurance would cover the rest. In 2012 I also had a XXXX XXXX so I took the information as fact and never followed up to make absolutely sure the balance was gone completely. I just had my credit pulled and it is saying they had charged off a balance on the account. I just called them to try and tell them what the situation was but they just wanted the balance and wouldn't acknowledge the fact that I had GAP insurance at all.
I received the attached letter dated XXXX XXXX, 2017 from Jefferson Capital Systems , LLC advising I owe XXXX {$780.00} and they will accept {$310.00}. I have no idea from this debt arises and this is a third-party vendor attempting to collect a debt. I believe it is invalid due to the Fair Consumer Protection Act and the Federal Trade Commissions ordinances and laws to protect consumes from such predators.
My XXXX XXXX XXXX credit card ending in XXXX has had issues for several months. I have contacted them numerous times and made payments in which they put my incorrect checking account number in XXXX times, and blamed me for the payment not going through. As you will see below, I made numerous contacts and paid of the phone and they have read off the number to me to make sure they finally had it correct and then still failed to correct it in their system. They never once contacted me to let me know there was an issue with the card. I have contacted them over and over, and just recently in XXXX made another payment ( over the phone since my online XXXX section was never fixed like they promised ) and no one even mention to me of the account closing?? I have done everything in my power to make payments on this card and it is not my fault for their employees not being able to do their job correctly. Please see all proof below!