WillisBack/dataset-financial-user-claim huggingface dataset:
I am requesting with this notice that the following account be DELETED from my credit report. XXXX CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
on XXXX2017 I applied to become a business member with Transunion to report my companies tradeline product to consumers credit.

My Company met all credentials to become a business member in addition to getting the XXXX XXXX XXXX reporting software.

Because I am a small XXXX  Owned Business and don't have money for Transunion to have financial/corporate gain, Transunion decided not to extend a business agreem

ent to my company. XXXX XXXX XXXX XXXX is r
equesting a complete response detailing why the business agreement was not extended specifically to my company.

The answer of ( We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has reviewed your request for membership. TransUnions review process is intended to ensure compliance with TransUnion business practices and policies as well as applicable laws, rules, regulations, and standards that apply to TransUnions businesses. Our process generally includes review and third party verifications of each applicants business credentials and on-site inspection. After careful review of your application and data gathered during our credentialing process, TransUnion has decided not to extend membership to your company. ) is not sufficient XXXX XXXX XXXX would like to know 1. What review and third party verifications were completed ( aside from the onsite inspection ).

2. What Data about XXXX XXXX XXXX XXXX  was collected?
I received a loan from Military Credit Services in XX/XX/XXXX, I purchased a debt protection clause with the loan that would grant me relief of the debt if I was discharged for medical reasons. I was discharged in XX/XX/XXXX and found XXXX service connected XXXX. The company failed to grant me the relief as stated in the debt collection clause of the loan and has sued and reported a judgement on my credit report as well as reporting a collection lawsuit for the same loan.
Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. 
Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.
My mother XXXX XXXX in XXXX, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
On XXXX XXXX XXXX I closed on a new construction home. On the HUD statement I received a tax credit from the home builder for the months in XXXX I did not live in the home. I paid the full XXXX tax bill to XXXX XXXX on unimproved taxes. In XXXX XXXX XXXX billed me on unimproved taxes again which I paid. Early this year in XXXX XXXX XXXX sent me an amended XXXX bill based on improvement to the property that happened prior to XXXX XXXX XXXX. This was a non delinquent tax bill and had a due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Bank of America paid the tax bill and forced an escrow account on me and increased my payment 100 %, from {$3500.00} to {$7000.00} a month. The reason Bank of america forced this on me was due to delinquent taxes for XXXX. I called Bank of America up and advised them the the taxes are not delinquent per talking to XXXX XXXX and they needed to refund me the addition money they took from me for the taxes and to remove the escrow account. Note XXXX/XXXX/XXXX & XXXX/XXXX/XXXX I made the increased payments. Additionally the XXXX tax bill is out and Bank of America paid this bill as it is n't delinquent. My complaint is that Bank of America has illegally auto draft these additional monies from my checking account and holding them in their escrow account which is earning interest on the escrow monies they hold. BOA paid a bill that they should have not paid. This is a violation against the Deed of Trust as it states that this can only be forced if delinquent. I want my escrow account removed and I can either settle the bill with the taxing authority or Bank of America. This is a servicing violation on the servicing regulation rules set by the CFPB.
XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. 
I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.
I have received at least XXXX phone calls from a company with the phone XXXX XXXX. The company said they are a non attorney office of lawyers. Each time they call I have asked for verification of the loan and have never received. This time they said there was an arrest warrant for my arrest or they were filing for it.I am sorry I do n't remember which XXXX as I have XXXX. It was threatening and as always I asked for verification as I felt the loan was paid. They also stated they showed that verification was asked for in XXXX of 2014 but they asked for it since it was just transferred to them. This was a lie as I have XXXX XXXX the number each time and it has been the same agency each call. I want the verification and the threatening to stop.
i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had 12 hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to shut the XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
Applied for a new XXXX checking account on XX/XX/XXXX that had the following terms : Earn {$400.00} when you open a new checking and savings account in the XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days 6 months later on XX/XX/XXXX, chatted with XXXX Chat representative XXXX regarding the {$400.00} bonus and how the requirement was met a long time ago. Her reply to me was " We just received a response today from back office that the cash bonus of {$400.00} will be credited to the account. Please give us 1-2 business days for the bonus to be completely posted to your account. '' Today, XX/XX/XXXX, the bonus has not been posted. I applied for this checking account promo bonus over 6 months ago on XX/XX/XXXX and met requirements a few days after. It has been over 120 days since I met the requirements despite XXXX stating that the bonus would be posted within 60 days of requirements being met. Which has not occured. 

Seeking a prompt resolution to this matter as XXXX has been notorious in the past of forcing customers to file a dispute to earn their earned bonuses.
For the past 4 years I have been requesting additional information pertaining to my credit report and a collections debt with Diversified Consultants and the Collections agency would take it off without providing the information I would request but then it would reappear.I then reached out to Diversified Consultants and they told me I had to reach out to the original creditor which was XXXX and I was required by XXXX to send a notarized statement of dispute due to identity theft along with additional information stating that I was a victim of Identity theft. On XX/XX/XXXX I sent all required information XXXX requested. I included a copy of the notarized statement of dispute, proof of my address at the time the account was opened ( which I was told by the collections agency that it was XXXX but they could not provide a specific date ), a copy of my XXXX Tax Return ( which I was a resident of the state of Georgia when the account was opened according to the year they provided. ) and a copy of the police report filed on XX/XX/XXXX confirming that I was a victim of identity theft due to my wallet being stole in a XXXX parking lot in XXXX, Ohio. On XX/XX/XXXX XXXX  sent a correspondence stating that my fraud claim was denied based upon possible reasons concerning account information. On XX/XX/XXXX I sent a request asking XXXX to verify exact what it was that caused for my claim to be denied so I could know what steps I would need to take next and also because it my right according to the FCRA to know and understand why I am liable for the debt when my identity was stolen. XXXX then replied on XX/XX/XXXX asking for a notrized copy of my ID and a copy of the police report in which I all required information again on XX/XX/XXXX. I recently received my most recent correspondence from XXXX Fraud Managing stating that my claim was again denied and it was the same denial that was sent on XX/XX/XXXX in which they provided me with no additional information on my fraud claim but only the reason why it may have been. this has caused me an extreme amount of mental and emotional stress and it has also caused me to be denied for many credit opportunities. I am sending in all documentation requested and they are sending me the same request each time. Can you please
I responded to an offer for a Wells Fargo Cashwise Visa Card. They opened the account. I was to receive XXXX bonus points ( {$200.00} ) after I made {$1000.00} in purchases within the first three months.

The offer clearly states : " 1. To qualify for the {$200.00} Cash Rewards Bonus, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 - 2 billing periods after they are earned. '' THIS IS A CUT AND PASTE FROM WELLS FARGO 'S WEB SITE MAKING THE OFFER. 

I completed the {$1000.00} in purchases on XX/XX/2018. The statement period ended on XX/XX/XXXX. Another statement period ended on XX/XX/XXXX. Another statement period should have ended around XX/XX/XXXX. There is no statement on their website as of XX/XX/XXXX but the account has a XXXX balance so there may be no statement generated. In any case, it's been three statement periods and the points have not been awarded. Their website shows that the bonus points expire on XX/XX/XXXX. 

I have a screen shot from their account web page that clearly shows : " Congratulations! You have a pending bonus since you have met the total Net Purchases spend as of today. '' In that pop-up screen, it also says the points will be awarded 1-2 billing cycles after the offer expires. But, that is not what the terms were in the offer. The same screen also shows that the points expire on XX/XX/XXXX. 

It appears as though Wells Fargo intends to expire the points before they make them available to redeem. Even if that is not the case, they have failed to make them redeemable within 1-2 statement cycles as advertised. I paid my propane bill on that card yesterday. I intend to pay that charge in part with those points. However, I have no confidence that Wells Fargo intends to perform on their offer. 

I have made several calls to Well Fargo and gotten several different answers. I have a recording from today where their second level supervisor says " yes the points should have been awarded already '' and then offers to open an investigation. I opted to be escalated to his supervisor who is supposedly " executive level. '' I doubt that, however, that person also wants to open an investigation. Whatever investigating needs to be done, should have been done after one of my previous calls. Clearly, when Wells Fargo investigates Wells Fargo, Wells Fargo finds that Wells Fargo has done nothing wrong.
This is a car loan with First Bank of Puerto Rico. On XX/XX/2012 I paid the entire debt. The bank gave me the title of ownership of the Vehicle. On XX/XX/2018 The bank updates the information in my credit report indicating that there is a balance of {$1700.00}. This incorrect information adversely affects my score.
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and  Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written  requests is also evidence of your willful disregard of Federal Law.

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND that you delete ALL the accounts listed below IMMEDIATELY. 
Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


{ XXXX XXXX } Name of Account PORTOFOLIO recovery XXXX
I am not aware of this XXXX XXXX XXXX XXXX XXXX , XXXX balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from MBNA which was acquired by Bank of America in 2006. I do not claim debt.
I settled XXXX accounts with the Central Finl Control in XXXX, I was told that the accounts would be removed from my credit report by XXXX different people. Not only did they not credit XXXX of my accounts they are now stating they will not remove from my credit report. In the mean time they have again reported to the credit bureaus and my credit score dropped because they are stated the accounts were not paid when they were paid. They also state if I have an issue I have to fax it in writing to just a phone number no name or anything. They would not let me speak to anyone other than a floor supervisor. You should be able to speak with someone in the dispute department to make sure you know where your information is going. When I told them I was going to file a complaint she said " you do what you have to do ''. This is a poor way to run a business, they took my money and did not follow through on what they were suppose to do. They falsely reported back to the Experian that there was a balance when it had already been paid.
Two hard inquires on my credit without my authorization or consent for 2 registered companies under XXXX : The Company XXXX XXXX XXXX and The Company XXXX XXXX These were both done without my knowledge or consent or signature to allow for any credit check. I made absolutely No Attempt to retain any services from these companies. 

This looks like Identify Theft which also seems to be stemming from Equifax posting false Inquiries to my Credit report. 
Thank you, XXXX
I am again going through my repayment options  with Navient. And again,  my only options are to do a forbearance based on my income. I borrowed  XXXX  and now owe $  XXXX . I need to start paying on these loans but for many many years my only options are to either do the forbearance with {$0.00} payment or to pay a very large monthly payment which I can not do based on my finances.
I was approved for a pay day loan of {$500.00} from Acceptance Solutions Group on XXXX XXXX, 2016. As part of my agreement with the company, I was required to pay {$140.00} every other Friday ( my pay day ) until the total loan amount + interest was paid off. I set payments up to be drafted from my checking account initially. 

When I started struggling to cover all of my bills and noticed over draft fees were being charged I called Acceptance Solutions Group and asked that they remove my bank information from my account- I told the customer service representative that I would like to start making my payments over the phone manually. I was informed by that same representative that my banking and card information was removed from my account and I should n't expect any more auto drafts to take place. The very next Friday ( pay day ) I noticed that a payment was made with my card information ( not a bank draft, but they still used the card information that I had asked them to remove just a week prior ). I called Acceptance Solutions Group again and asked the representative to make sure that both my banking AND card information was taken off the account to prevent me from incurring any overdraft fees with my bank. The representative then got very frustrated that I asked this of him and transferred me to his manager. The manager got on the line and, in a very condescending and rude tone, told me that he would not remove my card information and informed me that they do not allow payments to be made over the phone or online manually because, " This is an online company so everything is done online. '' I was confused and frustrated at this point so I told the customer service manager that I would simply take matters into my own hands and turn my debit card off to prevent any future drafts from being made- despite what I had already asked the company to do for me TWICE. 

Acceptance Solutions Group has now called my cell phone and WORK phone and left personal information about my account on both my personal and WORK voicemails ( which are not private ). This is a violation under The Fair Debt Collection Practices Act ( FDCPA ) that expressly regulates calls to third parties in section 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall " not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. ''
The representative ( XXXX ) stated that she could not speak to me about my account unless I provided the last 4 digits of my social security number. This practice is inconsistent with request made by the representative who had just transferred my to the representative ( XXXX ). I had already provided my full name, property address, and account number, but the representative refused to move forward. 

This is keeping my account in delinquency longer and is making it difficult for me to resolve the matter.