WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XX/XX/XXXX PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX, FL XXXX Dear PROFESSIONAL DEBT Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that PROFESSIONAL DEBT send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by PROFESSIONAL DEBT to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & XXXX   & Experian Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX
In XX/XX/2017 i was informed my wells fargo account was closed. I didnt think anything of it and I accidently left my debit card at house i had been living at with some roomates. The roomates knew my pin. Apperently my tax returns from that year were deposited into the account becasue the account wss actually not closed. The roomates theb spent my entire rax return and over drew my account. I was not infromed of any of this till 6 months later i get a call from a debt collector. I then call wells fargo and was told my account was XXXX $ and had been closed. I told them that my card had been closed and they informed me of the tax returns being deposited but they couldnt see what it was spent it on or how my account was overdrawn, that i would have to go to bank to get myblast transactions pulled up.The bank did not help me at all. I then tried to search for my debit card abd could not find it. I tried to contact my previous roomates but they seemed to have disappeared and moved from the house that we all lived at.
I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past two years, Chase Mortgage has. Made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into getting any. Moreover, I have never received an offer from them.On the other hand, I only have XXXX inquire from Chase Auto. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about people. This is abusive. What a steps does Chase Mortgage take to insure their employees are not abusing their sensitive information access.
I have sent several letters to Midland requesting validation of the debt. I have come to the point where I feel they are ignoring my request. I requested proof of the debt from the credit bureaus, they sent me a bill. Midland sends me a lette that they are unsure of what I am disputing. The credit agencies claimed it was verified so here i am taking it a step further by placing this complaint. After doing my research on the company, I see that they have a consumer first policy but obviously they have put me last. I have recently lost my job and to receive a bill from Midland stating I owe a debt thats not mine is ridiculous.
I left the U.S. in early XXXX  to spend the summer in XXXX. I returned in early XXXX. During this time I had an outstanding balance on my XXXX XXXX credit card of {$46.00} which was the final payment in a promotional offer I took advantage of earlier in the year. It being the final payment it was an odd amount that was different from the previous automatic payments I had set up. I was not receiving monthly statements so when I arrived in XXXX I checked my balance in order to pay the balance in full which I did. In spite of the fact that the payment was made in full I was charged {$24.00} in deferred interest however this deferred interest did not appear on the total balance due which was posted when I checked on line so I was unaware that there was anything further due until I returned home and looked at the XXXX statement which now is up to {$53.00}. If the interest had been applied when it became due I would have been aware of it when I checked the balance and I could have handled it then. Upon speaking with a representative I was told that if I had called in XXXX they could have removed the charge but because I waited until XXXX there was nothing they could do. I was told I could fax my complaint but I don't have a fax ( haven't had one in 10 years ). I was told they could not go back more than 60 days over the phone so I was left with no other alternative than to submit this complaint to the CFPB for resolution. Whatever the miscommunication was that resulted in this, I do not think it's fair that I should be penalized {$53.00}. If the deferred interest had been posted in a timely manner it could have saved the confusion. Thank you for your help in getting this resolved. I would also like to make sure that my credit rating does not reflect this error. If you check you will see that I am very responsible with handling any outstanding debt that I take on and it would be extremely unfair for this to be used against me. Again, thank you in advance for your help. XXXX XXXX
have been repaying my loans without much of the balance coming down, have also during the life of the loans attempted to get forbearance with declinations, have had interest charges and raises n my account it appears to be as my balances continue to grow even tho I am making all the proper payments. I believe there is some fraudulent activity going on with Navient
For purposes of this complaint, CRA ( Credit Reporting Agency ) will define XXXX, Experian and XXXX. 

The CRA has failed to delete from my credit report delinquencies reported by XXXX XXXX XXXX that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been  refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s )  upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
Capital One Bank USA NA, XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX, has issued unautherized hard inquiry to my XXXX credit report ( XXXX ) XXXX. Also ississued a unauthorized hard inquary on my XXXX credit report ( XXXX.
OnXX/XX/XXXX, my brother went to the Chase Bank branch in XXXX XXXX, Indiana like he has done since about XX/XX/XXXX to cash his monthly check I write to him from his social security XXXX payment. I am his representative payee and mail him a check each month from the funds deposited into the checking account. This month he had to pay a {$8.00} fee to cash the check I wrote because Chase Bank classifies him as a non-account holder because I am the representative payee. The money is his and is direct deposited from the Federal Government each month. I communicated via secure online messaging with Chase Bank and they referred me to the branch. I then spoke with the branch manager and was told she can no longer waive that fee because Chase Bank had updated the computer software and removed her authority to do so. My brother 's account has been open since XX/XX/XXXX, maintains a nice balance with direct deposit and only 2 paper checks each month are process through it normally.
With Navient, I have tried to get a lower payment for several years. I told them what I can afford to pay but I am still struggling to pay. I have many misfortunes in the last year that made my income decline drastically. I have asked for help but They are always blunt and not showing any concern. I think I should be able to set the amount to pay based on my budget. I am overwhelmed with debt and considering going back to college to increase my income.
On XX/XX/XXXX I called Equifax and told them to remove hard inquires on my credit report because I did not authorize the hard inquiries. Equifax replied to me by mail dated XX/XX/XXXX and told me they will not delete the inquiries because they are verified as accurate. XX/XX/2018, I sent Equifax an inquiry removal letter, because I have hard inquiries on my credit report that I did not authorize. I received a reply letter from Equifax dated XX/XX/XXXX stating that they will not remove the inquiries because they are verified as accurate.
At the beginning of XXXX I missed a payment ( this was my fault ) due to recent balance transfers and not realizing it was going to start on that day. That was my fault, I called them, and they did a courtesy removal of the late fee. 

I then enrolled in autopay on XXXX XXXX so I could prevent this from happening again. Their system showed I only had a {$2.00} ( yes, XXXX dollars ) payment for XXXX XXXX, and that it would take it out. 

XXXX XXXX came and went and no deduction happened. Again their system charged me a late fee. I manually paid the amount, since I did not want it messed up, while on the phone. However, they refused to remove this late fee even though this error was on them. They refused to acknowledge the error was theirs, saying it takes XXXX6 weeks for autopays to go into effect. 

However, I know for a fact their system was showing it was going to remove this, so yes it was their error. For that matter, in today 's technology, it should not take XXXX6 weeks for something this simple to go into effect. 

I suspect they are doing this on purpose, as the entire balance is a transfer from another card that was supposed to be very low interest, but with the " late payment '' on record they can jack up the interest rate. 

I suspect at this point the refusal to admit their system XXXX up, or maybe even purposely messing up, is done just to get more interest on the balance.
I have asked Transunion to update info, they stopped on XXXX 2015, it is now XXXX, we have made all payments on time, please help with XXXX XXXX account # XXXX
Greetings, I am writing you as I have already made several phone calls and I feel that I am starting to exhaust every avenue available to me. 

I will get directly to the point. I have a student loan that was opened through Granite State Management Resources ( GSMR ) that I opened in XX/XX/XXXX. That loan is currently in Good Standing, and under the Income Driven Repayment Plan. However, I have a number of late payments that are showing up on my credit report from this loan. These late payments occurred because I had a family member kill herself by suicide in XX/XX/XXXX, after a long struggle of mental illness. As a result, I received custody of her XXXX year old son only 3 weeks after her death. Taking a child in who is from an abused and neglected home has been harder than I ever imagined. At the time I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the options to keep the loan in deferment/forbearance while grieving and trying to care for a new child in our family. After several months of going back and forth with the collections department, I finally discovered the option to put the loan into the Income Driven Repayment plan. I still however, did not realize that the single payments I had been making were for XXXX different loans, and that each loan would show derogatory marks on my credit during my hardship. I was never advised on loan consolidation, therefore my credit was hit multiple times for the same late payment. 

I am not disputing the fact that these payments were late. I am simply writing this letter in hopes of receiving a good will gesture from GSMR. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where our family is growing and my husband and I are attempting to buy a house. Having these late payments on my credit report is making it very difficult for me to get financing for a home. As I said, I understand why these late payments are reporting, but I do not feel that they truly reflect my credit worthiness and my true payment pattern. Things would have been much different if I had been counseled and made aware of my repayment options and loan consolidation. 

I am asking, as a good will gesture, that these late payments please be removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future, I have taken responsibility, and I have worked extremely hard at bringing all of my loans current and keeping up a steady pattern of positive payments after the Income Driven Repayment period ends in XX/XX/XXXX. I know a lot of borrowers have struggled immensely at making timely payments and settling on fair repayment agreements with lenders over the last few years, and I would like to think that I am in the minority of people who have taken the time and effort to straighten my situation out with little to no help from anyone but myself. Hopefully my efforts will be rewarded and you can see fit to remove these late payments from the three credit reports. 

Thank you for your time and consideration.
They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly.
Month after month XXXX is wrongfully reporting inaccurate information about my account status to the credit bureau. Since XX/XX/XXXX of 2017 they are reporting inaccurate balances and inaccurate payment status. I have contacted XXXX every month to fix this issue and every month they claim it will be fixed and is not. My balances are always wrong and when I call they say they are adjusted then a week later they are wrong again. My balances fluctuate because they are constantly adding and taking off late fees and I have never been late. The month of XX/XX/XXXX they reported I was late again when I was not and was told by their manager they  would fix the error on my credit report. My credit has significantly dropped because of them and I 've lost an incredibly large amount of time every month trying to fix this issue and it 's just not fair.
Greetings I have initiated multiple disputes with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EXPERIAN credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
I applied a gold delta skymiles credit card from American Express on XX/XX/XXXX. The offer is in 3 months spend XXXX  dollars will offer XXXX  skymiles points. Spend on delta air will give XXXX  dollars statement credit.

I spent XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. And was waiting for the skymiles points, they didnt give me the points. Till XX/XX/XXXX I talked with the assistant online. They set up a case for me. After this, I asked and talked with them 4-5 times, they gave me same answer the case is investigating, wait till next statement. 
Please help me. Thank you.
Equifax refuses to properly investigate an inquiry that was n't authorized and is fraudulent. On XX/XX/2016 I had an inquiry form XXXX
On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXXXXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
A fraudulent account has been opened in my name, and I need them removed from my credit as soon as possible.
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachmen t for one of The cre ditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff/collection.