WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Obama 's XXXX student loan forgiveness is a farce! A scam that our Government is not doing anything about. My doctor and I sent in the required documents and applied for the student loan debt forgiveness program for the XXXX. 
I received a letter of " Approval '' stating that I was approved for the XXXX program and that after a 3 year waiting period the debt would be paid off if I did not hear from them further. 
After the 3 year waiting period had passed I assumed that the debt was indeed paid, because the letter that I received stated that If during that 3 year waiting period I was disqualified for any reason I would be notified, and that " If I did not hear anything from them at all by the end of that 3 year waiting period, then I would not need to do anything further, the debt would have been paid off '' Now I have found that not only was the student loan not paid off, even though I was approved, but they have conveniently lost all of my paperwork. Wait ... let me rephrase that ... They lost any and all proof that my student loan was paid off, but they DID NOT lose the paper work showing that I still owe the student loan. Again ... how convenient! 
I have been informed that up until 2013 all of the paperwork was kept by ... NOW GET THIS ... the carrier of the loan. 
How stupid is our government officials to let the very loan company that we owe the money to, keep the only proof that the loan was paid off?!! again I say " How convenient! '' These are the people running our country? God help us! Giving the loan carrier the task of keeping all of the paperwork proving that the loan was paid off is like giving bank robbers the keys to the safe! 
I think that the 3 year waiting period was a part of the scam as well! Why? Why would they want us to wait 3 years? I think perhaps that the XXXX dollars allocated by President Obama for the student loan forgiveness program was probably put in a bank to draw interest those 3 years and counting. If this is true, where is the money made in interest? who 's pockets are lined with that money? Even more important, whose pocket is my {$10000.00} in? I was approved for the program, the 3 years waiting period has passed and in fact it has been about 5 years and I am still paying the debt! Somebody pocketed the money that was supposed to pay off my student loan, ... OR it was paid off, but the loan company is double dipping and forcing me to pay it again! This is why I hate ALL POLITICIANS! They are all crooked and dishonest!
On XX/XX/18 I called XXXX customer service number & asked if I had a payment due for XX/XX/XXXX since I never received a bill. I input my account number. 3 reps pulled my account info but refused to give me the information unless I gave them my social security number and date of birth. I was willing to provide my full name and full account number. The refused to provide me any information regarding my bill. My ssn number was not given to me so a XXXX rep could use to identify me. It was given to me for government benefits, nothing more. The manager XXXX agent # XXXX refused her last name yet wants my ssn.
The mortgage in question was foreclosed on in 2014. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Shellpoint mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted ShellPoint several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. 

I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 

Thank you, XXXX XXXX XXXX
Hello! I am being charged numerous late fees and interest on a card I no longer use. It 's a Chase Freedom Ink card. I had not received any notice that there was an amount due. I have been a loyal long time customer of Chase and I called to have some of the fees waived to make this more manageable. It 's unfair to charge a person late fees when they were n't aware of a balance.
I have opened a Dispute with Bank of America and it was filed under the wrong description and miscategorized as my friend was the one that helped me with the initial Dispute.I called several times to have them work through this with me and edit the information since I have proof that the merchant was never shipped to me and seller took my money. Bank of America seems to be adamant in helping me out. Today XX/XX/2018 I called again and the supervisor I was talking to hung up on me when I offered to email proof that seller never shipped merchandise to me. Bank of America should be helping me not killing me and I am very appalled.Seller gave me tracking number from XXXX as XXXX ( number does not exist ) in tracking system. I believe I have been scammed.

I attached correspondence with the merchant to this Dispute.
I had received a balance that was XXXX As of last week I had a remaoning balance of XXXX in which an agreement to pay XXXX to satisfy debt and remove from my vredit report immediately. I revently received a credit monitoring alert that showed a remaiming balance of XXXX. This was not agreed upon and I also have a regarding of the agreement alomg with informed consent of the call being recorded on my behalf. I am demanding that they remove all remaining balances as well as listing on my credit report immediately.
I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.
I am a victim of identity theft. On  XXXX   XXXX ,  XXXX  I learned my former CFO was using my " signature stamp '' to open accounts for her benefit. The past employee also used my current credit cards to buy vendor supplies when she opened her own roofing company.     She was immediately terminated. We called the police department.  XXXX  police reports were made. Report  Number   XXXX  and Report  Number   XXXX .     Our former CFO plead guilty to theft/embezzlement in  XXXX . She was sentenced in  XXXX  days in prison on  XXXX / XXXX / XXXX .     It 's been a battle to remove " theft accounts '' from my credit report. All has been removed except EQUIFA X INFORMATION SERVICES . Equifax refuses to remove  XXXX  accounts.  XXXX   XXXX    XXXX   XXXX   for {$16000.00} and additional  XXXX   XXXX    XXXX   XXXX   for {$12000.00}.     I have contacted Equifax 4 times to remove and they refuse to do so.
I received a letter from Midland on  XXXX / XXXX / XXXX  and asked them to validate an old cc collection that they stated I was owed. I had previously asked for validation before and all I received was a statement on  XXXX / XXXX / XXXX . I proceeded to send a debt validation letter on  XXXX / XXXX / XXXX  that asked them to tell me what the money I owed was for, to show me how they calculated what I owed, to give me copies of any paperwork that showed I agreed to pay them what I owed, to give me copies of any contract that I had with them that contained my signature stating what I owed, to show me that they were licensed to collect in TN, and to stop contacting me regarding this issue until I received all of the above information. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt that they say I owe. I requested proof that I am indeed the party that Midland is requesting to pay this debt and that there is some contractual obligation that is binding me to pay this debt. The request for validation is made pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA. Being that Midland did not respond, they are in violation of the FDCPA.
I have a account with Conns in XXXX texas. I understand when I am to pay my bill. My complaint is they call up to 10 times a day until I have paid my bill. I have called to notify them that I will be late ( some times it is due to when my pay day falls ) but they continue to call.
This Capital Oneaccounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts is SETTLED AND being paid off every month.
I notified the company Coinbase ( of which I am a customer and account holder ) that their system had charged my bank account for three withdrawals instead of one like I had initiated. I told them they were showing 3 pending withdrawals for the same amount so I believed it was a system error. I notified them through email on XX/XX/XXXX of the system error. They responded saying I needed to change my password and a few other standard questions they also said they were going to disable my account for 5 days while they reviewed it. It has now been 9 days and I have had no access to my money or the ability to transfer my funds out of the account or sell the bitcoin while it depreciates in value daily. the lower the value the less it will cost coinbase to fund the bitcoins that should be in my account as we speak. I ca n't even verify any of my funds. How is this company allowed to do this? I have emailed them 9 times since the first response ( once every day since they disabled my account ) I have received two automatic responses saying someone would respond soon. That is the entire support I have received from this company holding my assets.
I have tried to correct this mistake made by equifax 3 times. On XX/XX/XXXX I moved from a house which address was XXXX XXXX XXXX XXXX XXXX Il. XXXX I then contacted all three credit reporting agencies and changed my information, I also have a credit freeze due to being a victim of identity theft. I then received letters from XXXX XXXX and equifax and equifax letter dated XX/XX/XXXX stating my address change. Sometime between that date and XX/XX/XXXX someone from equifax has made a mistake and entered the wrong address on my credit. I have called 4 times have a conformation number of XXXX for my dispute I have faxed the copies they have requested and still my account is frozen. My problem I have applied for credit and can not remove my credit freeze due to the address discrepancy. They have locked me out of my account and when I call and give them my correct address it locks me out. All I want is for equifax to unlock my account and change my address to the correct one which they already have been given which is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
I have a citibank credit card. On my XX/XX/XXXX billing statement, I made a payment of {$1600.00} on XX/XX/XXXX for a balance of {$2600.00}. The remaining balance was {$1000.00}. The payment due date for this statement was XX/XX/XXXX. I realized that the remaining balance was still not paid and paid the remaining balance on XX/XX/XXXX. My billing statement for the next month reflected both payments and an interest charge of {$20.00}, and no carried balance. The balance was paid in full by the time the billing statement arrived. I paid the full balance of new purchases this billing statement, and the {$20.00} interest fee and carried no balance. On the next month 's billing statement, I received an additional {$14.00}. The bank claims this was residual interest, but I did not carry a balance, and the only balance I did carry was {$1000.00} from XX/XX/XXXX and the date I made a payment on XXXX.
I have conta

cted Jared on multiple occasions in order to get this erroneous entry removed from my credit report. I have disputed this item various times and I have reached out to Jared 's various times, but the item still remain on my credit file to this day. I have tried to settle this account over the phone and in writing several times directly with Jared 's. I even reached out to the collection agency to dispute, they could not provide proof so they removed the entry from my credit report and referred me back to Jared 's. When I call Jared 's I am told that they can not find the account. ( see attachment ) per FCRA Section 623 ( a ) ( 1 ) ( C ) this account is inaccurate and should be removed. Jared 's is in violation of the following polices : Re aging of debt - prevent r
e-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; - The amounts, and the dates are incorrect. I have asked for verification/validation per FCRA guidelines, over the phone and per email. Each time Jared 's never provided the information, which is in direct violation of FCRA. By law Jared has 30 days to provide this information, or it is to be removed from my credit file. 

Account - XXXX Date opened - XX/XX/XXXX Balance updated - XX/XX/XXXX Credit limit - {$310.00} But it shows a payment was received in XXXX of XXXX. All of this information is not correct. 

I reached out to XXXX XXXX about this situation and it was supposed to be handled, he never got back to me ( see attached email ) Jared 's must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) No dispute status - Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) -  No dispute was raised with any CRA when I disputed these items.
This relateds to property that once was my primary residence. I left the area for job relocation. I sought a short sale of the Property, given the debt was seriously under the market value. Chase Bank promised through its authorized agents multiple times that a short sale was approved, only to have ultimate closings rejected by Chase. I relied in good faith on such representations to my detriment. I could have taken other actions to mitigate my losses if I had not relied in good faith on Chase 's misrepresentations. I further relied on promises of a deed in lieu of foreclosure. It has been 4 years and no resolution from Chase. Just recently I was informed my identity was stolen. Someone was representing themselves as me through XXXX and attempting to take rental funds. All of this could have been avoided but for Chase 's negligent and fraudulent misrepresentation. I need a deed in lieu of foreclosure.
This debt has been re-aged. I 've filed disputes and had the credit bureaus remove this debt, multiple times, and each time, a new company buys the debt and reports it as new debt. It is not new debt. I have not even lived in XXXX in years.
The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.
I have multiple unsolicited hard inquiries I want removed from XXXX by a company called XXXX XXXX XXXX a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX   and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
The inquiry on my credit report was not mine. I called the company and their response was it was you and it will be removed when it ages two years.
Over labor day weekend I leased a Hyundai from XXXX Hyundai in XXXX XXXX, CA. 
I checked my credit report later that week and noticed that there were XXXX inquiries per bereau, XXXX from XXXX Hyundai and XXXX from Hyundai Motor Finance. I did authorize my credit to be ran by the Dealership for lease approval, but was under the impression that it was only being ran one time. I did not authorize my credit to be ran two times. 

I contact XXXX, XXXX, and XXXX, all of which asked me to contact XXXX Hyundai, which I did. XXXX did not give a sufficient explanaiton as to why this happend and again I did not authorize XXXX pulls on my credit.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

CAPITAL ONE AUTO FIN XXXX X XX/XX/2013 {$21000.00}
In XXXX of XXXX, I reviewed my credit reports to find that Portfolio Recovery was reporting a debt that I was never contacted about. I sent Portfolio Recovery a validation request and in XXXX they responded to my validation request stating that they needed more information to process an investigation. Now, how can you report something on my credit file if you as a company need more information from me the assumed consumer to process my request based on the information you provided. I again attempted to get validation of the same in XXXX of XXXX and to date have not received proper validation of this debt. And according to the Fair Debt Collections Act 809 ( 4 ) the debt collector has 30 days to provide proper validation, this has not happened.
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
I filed bankruptcy back in 2011 and it was discharged in 2011. I have not received any information regarding the property at XXXX XXXX XXXX, XXXX XXXX, MO XXXX from chase. I contacted chase and they advised me that they will not be foreclosing on the property, want nothing to do with it, and that it has been charged off and basically the property is my responsibility. I have asked if I have any options for a deed in lieu and I have not received anything but the run around. I would like for chase to do something besides tell me that they have washed their hands with the property but I can only pay the balance in full after I 've already filed bankruptcy. They have provided me with no information as to what is going on.