WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from XXXX, XXXX, Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
Acct # : XXXX Dear Phoenix Financial Services, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XX/XX/XXXX and by XX/XX/XXXX it was already added to my credit report which has grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.
Wells Fargo Financial would not let my Brother make payments for me or let me give him my power of attorney when I was in the hospital and in rehab centers. He talked to XXXX XXXX at the Wells Fargo Executive office XXXX and to XXXX XXXX XXXX And they refused to help him in any way shape or form. and all of the calls were recorded from what my brother told me. Also because of it I did have late fees because they would not let my brother make payments for me. And the dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My monthly payment is {$150.00}. And they were charging me {$250.00} to {$300.00} for late fees. And they refused to reimburse me for them. I would now like for my loan to be closed out and paid off without me having to make more payments on it. From my records I show that I still owe around {$3000.00} dollars.
XXXX   XXXX   XXXX   XXXX   tr  ansferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All   XXXX   bureaus as showing the original s  XXXX    XXXX   XXXX   XXXX   ac  c ount as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX ,  XXXX , and Experian are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.
The money suppost to be delivery 3 to 5 business day and now ist over 10 business days and has not been delivery yet and the bank dose not giving me an answer they said that dont know where the money is?? An amount of {$5000.00} us dollars
On XX/XX/XXXX I deposited {$1000.00} into my checking account. I am a multiple times per day user of the Wells Fargo app, which I use to verify funds availability for my purchases. I made a string of purchases with my money, checking each time a transaction went through, and proceeded as normal. On the morning of XX/XX/XXXX I awoke to find XXXX NSF fees on my account. 

When I approached the teller at the XXXX branch on XXXX, I was met with a very rude woman who refused to help me in any way. She told me to call the XXXX number on the back of my debit card, which I did numerous to no avail. I then went to the branch on Vermont and spoke with a assistant branch manager who again was rude, but reversed XXXX of the fees, and stated he could do no more. He again directed me to the XXXX number. 

My account is now balance is now in the negative by {$550.00}. This is an absurd amount, as I WAS NEVER OVERDRAWN TO BEGIN WITH. Wells Fargo has used manipulation of how they post charges and deposits to my account in an effort to increase their bottom line. I refuse to put money into this account until they make it right and remove these fees ; consequently, they are once again trying to put through charges and now I am at a loss. They are destroying my life and they could care less. 

This is precisely the behavior that led us into a recession in 2007, and they are still at it today, as if nothing happened. Worse, they are discriminating against me due to the tyoe of account I have. They are criminals, and they need to be held responsible for their continued unscrupulous behavior.
I am financing a vehicle via Wells Fargo Dealer Services. I earned a uniquely high interest rate for the auto loan and wonder if my race may have been the determining factor for the high interest rate. I am also wondering why the organization will only credit 3 prior months of overpayments toward the principal of the loan but have been reluctant to apply other prior overpayments. I was verbally informed that this change took effect in the Spring of 2017, yet I do not recall receiving any notification of such change. I used to be able to speak with a Wells Fargo Dealer Services Representative and have them apply all overpayments to my principal balance. I find this to be a bit concerning and would greatly appreciate any assistance and clarity you can gain on my behalf. Thank you for this amazing platform! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I was shocked when I reviewed my credit report and found late payment on the dates below : 60s days late as XXXX XXXX I am not sure how this happened because I believe that I made my payments to you when I received my statements. I have held this loan with your company since XXXX and I have made all payments on time so my only thought is that my monthly statement did not get to me.
Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.
XXXX continues to call me every day to try and get personal information without telling me what it is needed for or what the company 's business is. I looked the number up on the internet and it says they are debt collectors, United Recovery Services. I do not have any outstanding debts and confirmed with my credit report. I asked for them to stop calling and they have not. They have asked for SSN but would not tell me why they needed it. They have called my XXXX year old grandfather in-law requesting information. They have called me on my company phone which is owned by a federally recognized tribe. They call multiple times in a day even after hours. I would appreciate any help to get this to stop.
I made a payment arrangement with Navy Federal and when it was time to pay they took a different amount that was agreed to. Also, I would call and notify why I was late but every chance they could would transfer money out my account that was not authorized. I never agreed to have someone take my paycheck and do what they pleased. This last incident I made a payment arrangement of {$170.00} dollars but they took {$260.00}.
I was contacted by Barclaycard XXXX Department advising me that my account ( XXXX ) was blocked and that I needed to go to a banking center and attempt to do a cash advance, and have the bank teller call them to verify my State DL and identity. Which I did and they charged my account a cash advance fee of ten dollars. I put the the money that was withdrawn back to account immiedityly, I contacted barclay to remove the fee, however they stated they will not. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The other issue is that on XXXX/XXXX/2015, I did a balance transfer on the wrong account which was for {$5800.00} to XXXX XXXX XXXX XXXX when I found out it was the wrong account I did the balance transfer I made a payment of {$6100.00}. to take of the balance immediately, however Barclaycard charged me a {$230.00} balance transfer fee as well as a {$49.00} and XXXX interest charge balance fee.
on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....
I tried to settle this dispute offering a large portion money owed on my private educational loan, but XXXX refused, called me and my fianc all sorts of foul names. I then received notice that my loan had went to judgement and I can no longer negotiate. What can I do, to help my situation XXXX is nasty, and they will not leave me alone. I want to get things squared away so I can get rid of the judgement amend move in with my life.
my fiancee XXXX XXXX XXXX had put me XXXX XXXX XXXX XXXX on his Chase bank accounts as the sole beneficiary and authorized signer to the cash deposit Now account. and I believe there is someone who has cashed the pod account illegally. we resided in XXXX XXXX XXXX Our home was burgerlarized at the time of his death of all personal documentation and everything of value and vehicles stolen off of the property we lived leased. Any thing I can give to check into this more for me. thanks XXXX XXXX XXXX XXXX
showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX  over charging on interest rates
I use an app called XXXX. It pays me in advance of my payday in case I need some money but my bank has to report the transactions, which the 1st couple weeks was great, NO ISSUES. Now I guess they realized this helps me not to Overdraft, meaning the bank wo n't get to charge me {$38.00} in fees so they are not reporting transactions to XXXX ; therefore ; I am not able to get my money from them. Thank you, XXXX XXXX
I have been contacted by a doctor 's office and now a bill collector for collection of a " missed appointment '' fee that is not mine. I called the doctor 's office and sent them a letter XX/XX/XXXX to tell them that they have made an error. The bills kept coming. Now the bill has been handed to a collection agency. My daughter ( who is taking care of my bills while i live out of the country ) contacted the collection agency to dispute the claim and demand proof that i made this appointment, however they returned a copy of the bill as " proof ''. This is NOT proof of anything. I stopped using this doctor in XX/XX/XXXX after they wanted to order unnecessary tests. I have also moved from the US and now live in XXXX with my husband. I only come back to the USA in XX/XX/XXXX and XX/XX/XXXX which is when i make my doctor 's appointments. The appointment in question was from XX/XX/XXXX or XX/XX/XXXX. Further, i have had another doctor who i am happy with and have no reason to need to use my ex doctor 's services. Obviously the doctors office made an error when booking this appointment and expect me to pay for it, which i will not. The original fee for this " missed appointment '' was {$25.00} and now ballooned to {$27.00} due to added interest. I just want them to either prove to me that i actually made this appointment ( do they have " my call '' recorded? ) or STOP harassing me for a debt that is not mine.
A money transfer was supposed to occ ur 2 weeks ago and BOA has  provided no help in completing this transaction. Routing numbers are unavailable and impossible to obtain and no one from the bank ever responds or tries to help correct the problem. This is unprofessional for a bank to not help with transactions or facilitate money transfers into accounts.
I am requesting hardship assistance. However I am being told I do not qualify for any assistance because I received a modification last year. I am also being told I had XXXX repayment plans, this is inaccurate. I requested a supervisor to contact me so that we could resolve the repayment plan discrepancy. But I have yet to receive the phone call. time is of essence i have no been referred for foreclosure action!!!
I had previously filed a complaint that was close because I did not have enough information or remember any of the debt collection company names. The complaint was  under:  XXXX  and was closed last year in   XXXX   XXXX  . I went overseas to work during that time and came back home in  XXXX  of  XXXX . I still have new messages pertaining to a  XXXX   XXXX  who has had the my current home phone number. From at least  XXXX  of the year  XXXX , I have had multiple daily calls from  Penn   Credit COR  at  XXXX  and  XXXX   XXXX  at  XXXX   XXXX  about debt collection. These calls start early in the morning between  XXXX  and  XXXX . No one is usually here to answer the phone and the answering machines only stores so many messages. In the past when I was home to answer the phone, I would tell the debt  collectors t hat they had the wrong number and they would stop calling after a few days. Shortly after that, there would be a different company call, and so on and so forth. It appears that they would close the file and give it to another company, but still use the client 's last know phone number which is my current number. Since the client has a female name, I think that they think I am her and that is why they keep switching the file off to other companies. This has been happening for probably 4 years and I would like it to stop without me having to change my phone number.   thank you
XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
CFPB, I have been the victim of Identity Theft, someone opened a payday loan account with Check N Go with my information. I have escalated this to FTD and the DOJ. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the financial institution must immediately place a dispute code on its subscribing credit bureau reports Please also confirm : Ownership of account Outstanding balance reported Disclosures Contract And any other necessary information.
The Law Office of Arnold Scott Harris PC has called repeatedly since XX/XX/XXXX claiming I owe a debt to the Illinois XXXX. They say I must pay them directly, and give me the number of the violation. I have contacted the XXXX and the XXXX county court and no such debt exists. They continue to call and harass me.
Two weeks ago I tried to buy a car and was denied. Upon looking at my credit report and trying to determine why since I am never late on my bills I discovered what the problem was. Back in XXXX I filed for bankruptcy after my separation/divorce but I reaffirmed with my car loan account and my mortgage through Wells Fargo. However Wells Fargo did not report this to the credit agencies so it appears I have not made a pmynt on my house in 2 years and in turn has ruined my XXXX XXXX. So now my situation is this, I am a XXXX XXXX, my car is broke down and I can not purchase another one because of my XXXX XXXX despite the fact that I have documentation/proof that I did in fact reaffirm in XXXX of XXXX and have never been late on my house pymnt! I contacted Wells Fargo they admitted the fault was on their end and would correct it, I was instructed to call back in 7 days when I did I was told nothing had been done yet, so I went to them in person that time I was told it could take 60 days. I asked about borrowing money using my home equity to purchase a car since I have a substantial amount of equity in my home vs what I owe. I was told not until my XXXX XXXX is higher which is complete irony because my score is such because of them! Strangely enough I rcvd a letter in the mail in the mean time stating my mortgage will now be reporting to the credit agencies as of XXXX XXXX which is a complete lie since I was denied for the auto loan and that is not what my credit report is reflecting. I have been getting the complete run around with Wells Fargo and to not know what else to do or where to turn.
I have had my credit card with Navy Federal Credit Union for over 5 years and have been a member forever 14 years. My credit card expired in XX/XX/XXXX, and I contacted Navy Federal asking for my new card. I was told that my credit card account did not meet their standards under review, and that my account had been closed. I was asked what criteria was used to make that determination, and was told that they didn't know and could not transfer me to the credit card department in an effort to keep the credit card department unbiased. This is the same credit card that I talked to multiple times in the past. They told me that they sent a letter to my address, but I never received it. It was not sent certified mail, and they have no proof that I received the letter.

I then sent a secured message to Navy Federal detailing their disclose, and asking which of the terms I violated that resulted in my account being closed. Again, I received a response that said after review they decided to cancel my account. I replied to their email and asked what the specific reason was.

I received a call today from the credit card department that I wasn't allowed to talk to previously. They then said that my card was cancelled due to my credit score, but my credit score was lower in the past and my account was allowed to stay open.
Hi there are a few credit inquiries I just noticed on my credit report that don't belong on my report they are fraud and I am a victim of identity theft so please remove they as I am including a copy of my police report. This has been an ongoing problem I am working with police so that I can get justice. Here is a list of what I want removed as it is fraud XX/XX/2016 XXXX/XXXX
Amazing I receive a " report '' from Lexis Nexis implying I requested a copy. Their opening states " We were unable to locate your file with the information provided? '' Strange since they attached a number of reports. The FACT is they provided a report to XXXX XXXX XXXX which I distinctly advised the XXXX XXXX NOT to Process! That unsolicited of XXXX resulted in a rejection based on XXXX XXXX data- even stranger. So just what is it they can not comprehend? 1- I never solicited anything 2- They themselves state they need more information- 3- So why did they provide anything to XXXX- 4- why ca n't they locate us when the reports they submitted to use show driving data. 5- Evidently they can not or could not access our credit files so why would XXXX reject us outright?
After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec 623 this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.
I have tried calling Sallie Mae to make over the phone payments but they say they can't take partial payments and that they don't have my account anymore but can't tell me who has it now. They want me to pay {$420.00} a month when I am unemployed due to having XXXX kids at home and the cost of daycare. I am in {$30000.00} debt because of this.