WillisBack/dataset-financial-user-claim huggingface dataset:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

State Collection Services Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX and Experian did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
I disputed with all XXXX credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX rep XXXX. I was told by XXXX agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX XXXX as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/2016 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. Now they went to the credit reporting agencies to blacken my name and blackmail me into paying a bill that has nothing to do with me. Please help me defend myself against this cruel, vindictive behavior.
On XX/XX/XXXX I paid a one time fee of {$50.00} towards a debt that was owed to XXXXXXXX XXXX XXXX XXXX. The lady I talked to in XXXX, tried to tell me how much I needed to pay to stop the debt going on my credit report. I noticed on XX/XX/XXXX I noticed a charge on my bank statement that I did not authorize for {$50.00}. I called my bank, they could n't tell me the company who took the charge, my bank looked up on XXXX, and came across the debit as fraudulent and disputed the charge. I then remembered who the charge could have been from, called the collection agency, and explained that I have not been in contact with them to authorize another charge. There 's absolutely no reason why my credit card was saved on file. I did not authorize, give consent or permission for anybody to charge my account. That is illegal and considered theft!
I keep receiving a credit card statement from Wells fargo for a credit card that i never opened with them. I spoke to them and told them that i never opened this account ; they closed the first account and opened a new one and transferred the balance tot he new account.
I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to Experian and XXXX customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

Experian XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX
I have attached documentation showing that I have paid both Afni ( XXXX ) and XXXX XXXX for XXXX XXXX XXXX. Afni promised to have this deleted off my credit report however it is still showing. I 've contacted XXXX XXXX who keeps telling me to contact XXXX XXXX. I am going back and forth between these two consumers when in actuality I just want both of these accounts deleted from my credit report. Also XXXX ( XXXX XXXX XXXX XXXX ) has posted an inquiry to XXXX XXXX that I did not authorize. I would like that inquiry to be removed.
Credit card company XXXX XXXX XXXX XXXX held my check for payment of {$20.00} balance on XX/XX/XXXX. I mailed check to XXXX XXXX XXXX XXXX and they held check past the due date of XX/XX/XXXX Friday until XX/XX/XXXX, to clear my account they charged {$20.00} late fee plus {$0.00} interest fee. When I called to explain it was sent on time and I was a 21 year member of XXXX XXXX XXXX XXXX and had same difficulty in the past and stopped using the card because they hold checks and drive up late fees there was not one manager or otherwise willing to help me to resolving this. I spoke with 2 managers including XXXX Team # XXXX at XXXX on XX/XX/XXXX. The {$20.00} they charged me exceed the original charged amount/balance on the account. This is excessive and two managers would not reduce this late fee. It is as if they are loan sharks charging 100 % interest on my charges. This can not be legal or right. I had to pay this over the phone today to avoid further late fees of {$20.00} on my {$20.00} current late fee on my original charge of {$20.00}. Thank you in advance for your time.
I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.
Dear, Im XXXX  years XXXX, i had wireless services 5 phones with XXXX, due to bad ( no reception at home ) reception and filing complaints with FCC, i had to terminate my services with XXXX, on XX/XX/XXXX i got a call from Mr XXXX  ( Sunrise collection ) that i owed XXXX  {$1800.00} i told no i only owe only {$1400.00} because it was promotion XXXX   had buy one and get one free and on XX/XX/XXXX two days prior to my termination if I pay the remaining balance on buy one get one {$370.00} ( copy of XXXX XXXX ) i will only owe {$1400.00} so XXXX  asked to pay ( $ XXXX+ {$7.00} ) {$1400.00} and write Dispute letter disputing {$370.00} my account shows paid in full, I paid {$1400.00} and emailed my dispute email to XXXX on XX/XX/XXXX and kept my agreement with sunrise collection and they must keep theirs and ask XXXX XXXX XXXX to credit {$370.00} if not please return my {$1400.00} and i will take my chances with small claim for full of {$4300.00} that XXXX XXXX XXXX didnt provide services and I will file complaints with CFPB against Sunrise credits service for using Bait and Switch technique to take my payment and not delivering their obligation.on XX/XX/XXXX I called sunrise collection I was ask to file dispute again with copy of my statement to show {$370.00} and we settled the account Attached is the receipt It shows that on XX/XX/XXXX two days prior to cancel my services with XXXX XXXX XXXX i was asked by XXXX XXXX XXXX representatives if I pay {$370.00} I will get other phone free according to promotions on XX/XX/XXXX by one get second free and I did.

On XX/XX/XXXX got call from XXXX ( Collections agency ) that I owe XXXX XXXX XXXX  {$370.00}, I did explained the situations but they asked to call sunrise collections agency and to remove {$370.00} so I did but dont rememberd any email nor disputed email, this is unethical and fraudulent we had an agreement i didnt have to pay {$1400.00} because XXXX  will agrees if not i will go to small claim and settle my dispute instead of pay collection agency.

Attached are four photocopies the last two are the emails I sent to sunrise collections on XX/XX/XXXX and XX/XX/XXXX
My name is XXXX XXXX i live at XXXX XXXX, XXXX XXXX XXXX : XXXX. I am filling a complaint against EXETER FINANCEXXXX XXXX, XXXX Texas. I had a car loan with the above in XX/XX/XXXX in XX/XX/XXXX Exeter Finance repossessed the car and sold it but did n't report the new loan balance. I disputed this balance through XXXX twice and EXETER FINANCE refuse to change the amount.I spoke with EXETER FINANCE two weeks ago they told me that it is in their rights to ; charge me {$4.00} per-day interest and put what they what think on the credit reporting agencies.At first Exeter Finance was reporting the original loan amount {$17000.00} and now for the last SIX months they changed the amount to $ XXXX car was sold in about three weeks after it was repossessed. My new balance should have been {$6500.00}. Exter finance wanted to punish me for the repossession of my car. BECAUSE of there false credit reporting has hurt me. Each time I apply for a loan interest rate was 21 % for car loans and personal loans. Had Exeter finance reported a proper amount in XX/XX/XXXX I would have paid it by now.
LVNV debt collection agency has responded with a statement saying they notified me via mail on XXXX/XXXX/XXXX ... I am providing documentation of a lease agreement with XXXX XXXX in XXXX XXXX where I moved to on XXXX..and I am employed with XXXX XXXX. Therefore, I was NOT notified of debt and LVNV is making a false accusation. The amount of {$1000.00} has been reported to all 3 credit bureaus and done so without notifying me of debt in their possession prior to the report to the credit bureaus.
I'm a victim of ID Theft starting on XX/XX/2017. It took me a while to notice illegal activity on my account after I work at home for a former employer who used my identity to have an access to my Checking, Savings and Credit Card accounts with Chase Bank.

I suspected that my former employer used my SSN, my name and my checking account that was on the direct deposit form that I filled it out for direct deposit paychecks.
My credit account was closed today because according to CITI they said i had to many recent inquiries on my account after telling me in many conversations that im a valued customer and they value my business. Thanks for your help.
CitiBank offered a credit card when we were booking our vacation. The offer was that we would receive free bags on our XXXX XXXX ( XXXX ) flights. XXXX did not honor this claim, and we had to pay {$200.00} extra for our bags on XXXX trip. There were XXXX mysterious charges from XXXX which CitiBank nor XXXX could explain, but we expected to pay them or suffer interest and late fee charges. We made XXXX phone calls to CitiBank and XXXX calls to XXXX. We filed a dispute with CitiBank. On each subsequent call the dispute was never documented, no confirmation numbers were provided. Late fees and interest charges continued to be charged to us by CitiBank. Finally I spent XXXX minutes on the phone ; and my wife spent another long conversation to attempt to solve the constant double talk and misinformation. No supervisor would would come to the phone. We believe this is an unfair, deceptive and abusive practice which CitiBank perpetrates on consumers.
At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.
Hello, This complaint is against Experian for reporting inaccurate information. I called multiple times : XX/XX/18 and and XX/XX/18 and asked them to remove the dispute comments. THEY CONFIRMED BOTH TIMES THAT THEY REMOVED IT HOWEVER THEY NEVER DID. 

XXXX XXXX XXXX and XXXX XXXX are the accounts with inaccurate info on my report. 
Today I called to see if comments were removed and they STILL have not did this. Please tell these people to do what they supposed to do.
They agreed to allow my son to make his XXXX payment on XXXX XXXX, 2015. They did not notate the account to reflect this agreement and refused to honor it. They have routinely misrepresented their employees actions and the employees are lying about all contacts with us. He has given them permission to take automatic payments and the company is not taking them. I am receiving letters from the company stating the payments are not being made. I am feeling threatened and harassed by these letters. My son is making every attempt to make these loan payments. This company is not ethical in any sense.
I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to TransUnion and XXXX for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX
XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX XXXX XXXX affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and XXXX AND EXPERIAN OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Experian would not provide me with my REQUEST FOR Method of Verification for Account : XXXX XXXX XXXX   XXXX FL XXXX! 

I REQUEST THE FOLLOWING : ( a ) The name of the creditor ; ( b ) The persons name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the account AND EXPERIAN REFUSED
Just got another call from a " XXXX XXXX '' from an UNAVAILABLE phone #, who said he was a XXXX XXXX Process Server trying to let me know he was coming to my work and/or my home to serve me a subpoena. He said the party that wants me in court is EZCorp and to call them at XXXX to stop it. I told him I had never heard of someone getting a heads up call for a subpoena and asked if he actually worked XXXX and he said yes. Well, I called the # and got a " XXXX XXXX '' with verification who said this was for a lawsuit from a loan they say I got on XXXX XXXX, 2010 ( I did not get XXXX then, possibly a year to 6 months before but I know for sure I did not get XXXX during that time or since that time. Either way they said they were in contact with a list of people as references, My father, my brother, to name a few, to get this handled and have been unsuccessful. I was transferred to a female named XXXX and then back over to a XXXX. He was giving me my person information including last XXXX of social and my entire drivers license #. I told him I did n't recognize EZCorp as a loan, and especially on that date. And he tried to say I was lying because someone went in there with my ID and got the loan and now I supposedly owe thousands and they are going to have my drivers license suspended and he repeated my actual drivers license # off to me. I told him I did n't think they were legit and I was not paying for something I did n't sign up for. He said he would see me in court so I hung up. I did n't even think to tell him that the State of Texas statue of limitations on debt is 4 years, which this would be past then for sure. This is n't the first time I have heard of this from EZCorp people telling me this and I keep telling them to send me proof and they tell me to quit playing games and that they know what " I did ''. Even still, I google searched this found the CFPB reached a settlement with them for saying these same types of statements. I would have thought with the settlement, they would stop but it is still continuing. I also was n't contacted to sign up on the plaintiffs with CFPB so why would this EZCorp still be contacting me?
I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill 2 past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a stressful situation.
Purchased items under 0APR promotion from Lowe 's following that made other purchases that were not under promotional interest. 
1. The credit card statements that followed does not show how to avoid interest by paying the non-promotional amount plus minimum amount required for the promotional purchase. 
2. Payments were automatically split to promotional and non-promotional regular interest. 
Company did have the option to apply all payments toward non-promotional balance but customer has to call in and request that option specifically.
Firstly, I am certain I have no debt other than my student loans, which are currently being handled by an unrelated credit service, and that these claims must be baseless. 

On XX/XX/18 Recievables Performance Management ( XXXX XXXX XXXX XXXX Suite XXXX XXXX, WA XXXX ) began calling my mother 's phone from XXXX ( XXXX ) XXXX and asking her to confirm my identity. They refused to identify themselves or why they were calling, and did not attempt to contact me via mail or telephone before contacting her, despite the fact that they told her they already had my address and phone number ( all violations of the Fair Debt Collection Practices Act ). 

On XX/XX/18 they called me for the first time but I missed the call. I immediately called them back and after confirming my identity they claimed they were going to transfer me to a representative. After the transfer I was played a message that no representative was available. I called back a second time later and the same thing happened. I called back a third time and they rudely hung up on me. Keep in mind that THEY STILL HAVEN'T TOLD ME WHAT DEBT THEY ARE ATTEMPTING TO COLLECT ( also a violation of the FDCPA ). I called back a final time and told them that I was going to block their number and I did. I also filed a complaint on their website ( http : //www.receivablesperformance.com ) explaining everything that I have explained up to this point and requesting that they confirm the debt in writing as required by law or cease communication. 

It was at this point that they began to use burner phone numbers in an attempt to circumvent our blocks and continue harassing us after I specifically requested that they either provide written verification of debt or cease communication ( their refusals to do either of these things are also FDCPA violations ).  Both my mother and I have now recieved multiple calls from multiple numbers over the past 2 months, all tracing back to RPM in Washington, including : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX They have still to this day NEVER sent me written notification or verification despite having my address, nor have they ever told me who they claim I owe, or how much. Nothing but constant annoyances bordering on harrassment and intimidation. 

I believe them to be comitting at least 6 violations of the Fair Debt Collection Practices Act ( failure to identify themselves, failure to notify in writing, failure to give the name and address of the original creditor, failure to cease communication upon request, communicating with consumer after request for validation has been made, failure to provide verification of debt within 30 days of written request ).