WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. 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. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
We sold our home in 2016 as a short sale. We have documents from the bank showing it was an approved short sale. They have reported it as a foreclosure on my credit. We are currently trying to purchase a home and we can not proceed until they remove the foreclosure from my credit. 

My wife has called them multiple times and they refuse to listen. We 've disputed the claim with XXXX and also XXXX and they 've come back and said it was legitimate. 

We need this to be cleared up as we are living with my wife 's parents until we can proceed with purchasing a new house!
I have been a victim of XXXX XXXX Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX So many are duplicates as well.
On XX/XX/XXXX, I received a notice from ProCollect stating that they were contacting me about an alleged debt that I had with XXXX. I immediately responded to the notice in writing, officially contesting that I had a balance owed to this community. I also requested the following items from ProCollect to verify the alleged debt : A copy of the original lease, signed by me, a copy of the entire pay history of the account, and also a detailed explanation of the charges that constitute the {$1400.00} alleged debt they are trying to collect. I did not receive any response from ProCollect with the requested documents. Today, I noticed that ProCollect has placed this item on my credit report. By placing this account on my credit report without verifying the debt ( as requested ), they are violating my rights under the Fair Debt Collection Practices Act.
I am being harassed by a company that will not give any of their information. They are not only harassing me but also my brother and an old roommates MOTHER, whom is n't even related to me. When I ask them for information they refuse to give anything. They say it 's for a payday loan that I do not have. I checked my report and there is nothing even close to that on there. They continue to call but refuse to provide any sort of written documentation or tell me who they are. They have also threatened me with jail, which I know is illegal. How do I find out who these people are and have them appropriately punished?
XXXX  aka American Student Assistance. They have a wage garnishment &amp; have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXXXX -  XXXX  EST   XXXX   XXXX   - 16  calls   XXXX   XXXX  -  46  calls   XXXX   XXXX   XXXX   -  9 calls
Recently, I received letters from Citi Bank 's Credit card department saying that my all 4 credit card accounts were closed by Citi bank on XX/XX/2017. They did not provide a valid reason. The letters only stated " Pursuant to Our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' I felt like I am being discriminated. I have been with Citi Credit Card for more than 15 years. I made payment on time. I never spent over my credit line. My credit score is above XXXX. 

I called their customer services many times and no one can address my problems. I was asked to only send questions to their Executive Response Unit by mail.
I signed up with XXXX, last year in XX/XX/XXXX. I was introduced to begin leasing with their partner, X-change Leasing. In the beginning, the lease program they offered to XXXX drivers was that all credit level can apply because no credit check was required. Only a clean driving record with a decent background were the requirements. I passed all of the requirements and went to their XXXX dealership in XXXX XXXX and got preapproved to lease a XXXX. The terms of the contract were quite simple to understand and the option to surrender the car even if the lease term was n't completed was possible. After driving for Uber in the state of XXXX, I relocated shortly thereafter. I relocated to XXXX state and did notify X-change Leasing that I moved. In XXXX XXXX, I had difficulties trying to get X-change leasing to send the proper paper works for tags and registration of my car. This process took over 2 months and I had to pay weekly the lease amount of the car out of pocket and driving for Uber seemed near to impossible without getting my tags switched to the current state that I now reside. However, the car was finally approved to drive for Uber after getting the tags and registration. Also, I was notified by X-change Leasing that my weekly lease payment will increase to an extra $ 80 monthly. I will provide the break down amounts below when I signed up and the weekly costs. XXXX {$160.00} weekly/ 36 month lease term ; XX/XX/2016 new price increase {$200.00} weekly/ 36 month lease term. I had difficulty driving the Uber to have my earnings cover the new price fluctuation of $ 800 monthly. Therefore, on XX/XX/XXXX, I notified X-change Leasing and Uber that I bought a new car and would like to surrender the XXXX. X-Change Leasing said it was no problem to surrender but I will be responsible for the repossession charges and if there was a balance remaining onto the account. Furthermore, on XX/XX/XXXX, X-Change Leasing sent a repossession company to recover the XXXX and I requested that an invoice of any charges be sent to my address. I had a new vehicle that I purchased and Uber certified it to begin driving. I noticed that my weekly earnings were deducted for X-change Leasing in which I thought was an error therefore, I contacted Uber inquire why was X-change Leasing extracting my all of my Uber earnings? Uber had no knowledge as to why this was happening and told me through email correspondence to call X-Change Leasing. I was told by X-change Leasing that I owed over {$2200.00} and that is why Uber is extracting the monies to pay it off. I demanded an invoice and explanation of charges but they have refused to send anything. I smell a rat and with other fraud allegations by other consumers against this company, I believe fraud is occurring in this matter therefore I am reaching out to various agencies to investigate X-change Leasing.
I was contacted by High Point Asset, Inc. pertaining to a pay day loan that I knew nothing about that I owed anything. XXXX asked me if I ever had a pay day loan my response was yes years ago. From there the company stared charging me fees that I had no knowledge of. I asked for the Loan company name and they would no provide me with a name. They forced me to give them my bank information with threats. I have not used a Pay Day Loan institution in over 10 years and when I was done I do n't ever remembering owing them money. I have checked my Consumer Credit Report a year ago and nothing was on there from any Pay Day loan institution.
I got a 5 year auto loan with XXXX. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.
Signed up for a Chase Total Checking & Chase Savings account using the {$500.00} account bonus coupon *in-branch*. Made two ACH transfers totaling {$15000.00} ( balance minimum for the coupon ) into the Chase savings account from my other checking account the day I opened it.

My account was closed the next day by the " money movement '' team without warning or ability to dispute/appeal the ruling. There was no activity except for the initial transfers into the account for {$15000.00}. The accounts were open a total of 1 business day.

Finally, the Chase support representatives stated I would never be able to open another bank account with Chase again.

How can you ban someone indefinitely for money movement after you ASK them to move {$15000.00} in within the first 10 days? That's ridiculous!

Additionally, I have never " burned '' a financial institution, have a good credit score and history, and a reasonable amount of bank accounts ( 2 currently ).
This vehicle was repossessed illegally, and I was never given a chance to recover the vehicle. Also never received notification of why there is any deficiency balance on the account.
We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing. 
In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment. 
XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru. 
My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not due.
I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.

Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.
On XXXX my wife received several calls from this number. They left messages regarding a XXXX XXXX XXXXXXXX whom we do not know. They then started calling my number so i picked up and tried to find out what they wanted. They asked if my mame was XXXX XXXX ... no idea how they got my info since ive never done business with them. Asked me if i knew this gentleman which i do not. And then proceeded to hamg up. I called back curious as to why they were calling us amd they said it was for location purposes for finding this gentleman. This is a collections agency called pioneer credit recovery and apparently and they are trying to locate someone because I was a " neighbor '' at one time. This is absolutely unacceptable calling random people who have never dobe business with them to try and locate someone else to recover debt.
I opened a mortgage account with CHASE back in XX/XX/XXXX that account was closed and paid in full XXXX XX/XX/XXXX, in XX/XX/XXXX I applied for a credit card and the application came back rejected, the reason because all XXXX credit reports showed on the status of the account collection charges. I did not pursue the credit card any longer and forgot about my credit report ( because my attorney had written to CHASE and the reply from them was that everything was ok with the credit report institutions. XXXX years later about XXXX month ago I was house hunting, I found the house and the financial Institution that was going to give me the loan said that XXXX of the XXXX reports were showing a account balance of XXXXXXXXusd ( XXXX , XXXX ) and all XXXX showed amount past due XXXX with the account closed XXXX/XXXX/XXXX and their last report had been XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX This should have been fixed the minute the account was closed but XXXX years later the XXXX of the XXXX Credit Reporting Institutions show that red flag making lose the opportunity of acquiring a house at a good price, hope you can help straighten this mess out as quick as possible, thanking you in advance for your attention to this matter.
I applied and was approved for two credit cards with chase. 1. A Chase XXXX XXXX XXXX 2. Chase XXXX XXXX XXXX. The first was applied for and approved on XX/XX/XXXX and the second was applied for and approved on XX/XX/XXXX. I  informed Chase that I would be traveling in XXXX from XX/XX/XXXX to XX/XX/XXXX.  I was offered rush delivery in the XXXX XXXX and was delivered to me before my departure date. On XX/XX/XXXX I received a message that my chase card had been removed from XXXX XXXX. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15 % of my total available credit and was mostly on food and travel. I was also charged the {$450.00} annual fee and had the card less than 10 days.
On XXXX XXXX, XXXX, I purchased a XXXX vacuum from XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX, OK. The vacuum cost was financed through Preferred Credit Inc ( PCI ) for the amount of {$2500.00} and finance charge of {$990.00} total debt {$3500.00}. The financial contract stated that this debt could be cancelled three ( 3 ) business days after the date of the transaction. On XXXX XXXX, XXXX, I contacted XXXX and requested this purchase be cancelled because it was too expensive, he refused to take action, by trying to reduce the price or not answering my text/phone calls. On XXXX XXXX, XXXX, first business day, I called PCI requesting termination/cancel this contract, but the representative informed me I could not termination/cancel this action, the seller had to request this action. 
Note : The sale was conducted over a weekend when individuals could not be contacted or were still trying to negotiate a deal. On XXXX XXXX, XXXX, last day to termination/cancel contract, I returned the XXXX vacuum to XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, I wrote a letter to PCI informing them of the return of merchandise, that the XXXX Salesman, was avoiding me to delay the termination of contract As of this date, PCI has never contacted me. The PCI has placed on my credit reports a charge off of {$2400.00} which lowered my credit score by 100+ points. In my opinion, XXXX, XXXX XXXX XXXX XXXX XXXX and PCI are predator sales and lending services. I am currently contacting the credit reporting bureaus, providing this information, documentation and a request to remove the charge off. Any assistance with this situation will be appreciated. I hope this information will help inform other people of these type individuals and to avoid their tactics. I am a senior citizen and recently retired from the XXXX XXXX.
My name is XXXX XXXX. On XXXX XXXX at XXXX i was contacted on my Home Phone at XXXX. The caller Id XXXX, phone no was XXXX. The rep on the phone advised me that their company could reduce all rates on my credit cards to 6 % or less. They then told me the beginning number of XXXX of my credit cards and asked for the expiration dates. Then they asked for the complete credit card #. I refused to give the credit card # s and asked for their website. I was informed they had no website, I then asked for their manager of supervisor. I was then told that all my cards would be cancelled and they then ended the phone calls.
In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.
XXXX keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted Equifax repeatedly as I was told that this is the only place they could have attained this information from. Equifax stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.
This is now the second time submitting a complaint against this company ARS Prior complaint XXXX STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX
Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX.
GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI