WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I sent a certified letter to Equifax asking to validate an account ( XXXX, XXXX, XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Equifax has responded to my request by saying that these accounts have been verified. Equifax has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. 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 are damaging my reputation and credit worthiness. Equifax has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Equifax reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
XXXX XXXX are trying to collect a debt from me but it is not mine. I never owed anything to Capital one. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...
XXXX, TRANSUNION, and XXXX must stop reporting late payments on my student loans. 

XXXX records are not accurate. 

US DEPT OF EDUCATION NATIONAL STUDENT LOAN DATABASE ( NSLDS ) shows my loans were in FORBEARANCE at the time XXXX is reporting late payments. 

US DEPT OF EDUCATION STATES LOANS IN FORBERANCE XXXX STATES LOANS WERE NOT IN FORBEARANCE IS IN WILFULL NON COMPLIANCE WITH THE FCRA IT IS UNLAWFUL FOR XXXX, TRANSUNION, AND XXXX TO KEEP REPORTING INACCURATE INFORMATION
I reported fraudulent activity on my account at Huntington Bank as soon as I noticed. I reported it online and was told to go into the branch to fill out a report. I did this and was granted a provisional credit a few days later on XXXX/XXXX/16. After about a month, I went into the bank to ask when I would know if the credit was no longer provisional. The bank teller looked into my account and gave me a date about 3 weeks later when my file should have been reviewed and the decision made. A few days after this date, I talked to a representative online and was basically told the bank teller had no idea what she was talking about and the bank had 60 days to make a decision. It has now been well over 60 days and I can not get an answer regarding the status of the provisional credit.
Its been very difficult to apply for the income driven repayment plan with Navient. They can only get my payments to {$180.00} a month, which I can not afford. They tell me that is the lowest they can get them. Therefore, I have been having to file deferments due to economic hardship. 

I also have been seeing this Navient Lawsuit of 2017 and am wondering if I am a part of this.
The following information XXXX XXXX XXXX reporting on my XXXX  credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as XXXX   continues to report falsehoods.
I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( EQUIFAX, XXXX and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.
My client, XXXX XXXX, was a low level employee of the XXXX XXXX for XXXX XXXX in the New Hampshire officeXXXX XXXX was instructed by the XXXX to create an internet account with XXXX XXXX for the exclusive use of the XXXX. Thereafter, he called XXXX XXXX, used the XXXX 's credit card for payment of all fees, including future charges, and provided his name and phone number as XXXX required a contact person. 
Shortly thereafter, XXXX left the XXXX New Hampshire campaign. Over the past several weeks, XXXX has been hounded by an abusive debt collector even though she was apprised of the above facts. XXXX then contacted my office to represent him in this matter. On XXXX XXXX, 2016, a representative from McCarthy. Burgess and Wolfe contacted me, at first refusing to identify themselves. When I informed the McCarthy, Burgess and Wolfe ( hereinafter, MB & W ) representative to either identify herself or I would end the call she stated that the call would be recorded and that she was calling in response to a claim against XXXX XXXX. I informed the MB & W representative of the facts set forth above, told her my Client had no fiduciary responsibility for the Campaign and was no longer employed by XXXX and that she was to discontinue efforts to collect through my Client. She continued to press for information and I informed her that the debt was not my Client 's, he was not responsible and that she was to discontinue all efforts to collect through my Client. Lastly, I told her that should they initiate any proceeding against my Client, we would countersue. Thereafter, I ended the call. 
Previously, I informed MB & W of the above facts and informed them that XXXX XXXX would not be responsible for the debt as it was not his, and they were to discontinue all collection efforts through XXXX. I also told MB & W that if they had facts to counter my claims, they were to send those fact directly to me and discontinue all communications with my Client.
I switched carriers for my cell phone in the last month of my contract. The plan was supposed to pay down the penalty every month for early termination. I was only to pay {$50.00} if anything, {$10.00} per line plus my balance which was approx {$350.00}. I got my bill showing an {$800.00} balance and when I called to talk with someone at XXXX XXXX XXXX they hung up on me numerous times while transferring me and then told me my plan had changed but could n't give me specifics. Now my credit report is reflecting XXXX XXXX accts for the same amount and XXXX for XXXX wireless which is the same acct. how do I get this resolved? It shows I owe over {$2500.00} for an {$800.00} balance because XXXX separate reports.
Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.
My son and I are trying to purchase a home in XXXX, XXXX through US Bank. 
OUTSTANDING JUDGMENT During the loan approval process I was informed of an outstanding judgment of {$1500.00} by XXXX ( initiated on XX/XX/XXXX ) in Maryland. I provided a copy of the check ( XXXX ) in the amount of {$3100.00} and the XXXX certified receipt showing receipt of the check by XXXX on XX/XX/XXXX. The total amount included both mine and my ex-husband 's share total payment. My ex-husband refused to pay his share of the judgment, so I paid the entire amount. However, my portion of the judgment was not credited and the lien remains. I conjecture one of two things happened : ( 1 ) XXXX never notified the State of MD of the payment or ( 2 ) The State of Maryland did not process my share of the payment to the claim against me. The loan is being denied until I can resolve the matter. I have contacted the Circuit Court of Maryland for XXXX and the State Ombudsman, but have had no response. 
REQUEST FOR FINANCIAL INFORMATION ON EX-HUSBAND During the course of the application process, US Bank ( the loan originator ) has requested addition information about me and my financial situation. The last request required me to provide information on my ex-husband 's current financial situation. I have no information on his truck loan at XXXX, his credit card purchases, his personal loans, etc. The divorce was final on XX/XX/XXXX, property was divided, and neither I nor my ex-husband were responsible for each other 's debts or had access to each other 's assets. 
I fail to see the need for this information. My ex-husband is not involved in the home purchase ; the co-owner of the property is my son. My ex-husband has not provided funds for the earnest money, inspection, or any associated fees. He will not be responsible for the down payment, taxes, insurance, or monthly payments on the property. He will not be responsible for property maintenance. 
I see this requirement for financial information on my ex-husband as either obstruction to prevent loan closure or harassment. I increasingly believe my age ( I am XXXX years old ) is behind a large part of this nonsense. My only other understanding of this latter request is incompetence on the part of the credit agency employed by US Bank.
I have a Discover card account, have had it for years, last XX/XX/2016 some fraudulent charges appeared on my account, i called discover told them i hadnt made the charges, they took all charges off, a month later i received mail saying that i was liable for charges that i did not do, i contacted them and they said for me to get a police report I sent them a police report and they still would n't take the charges off, they say a call came from my cell phone to verify charges, i have no such phone call on my phone records, I had XXXX email them a copy of my phone records that do n't show the said call and they still say I 'm liable, this is XXXX dollars they want me to pay them that i did n't do
In early XX/XX/XXXXI was shopping for a new vehicle. During this process multiple credit pulls were initiated and are now being reported without a permissible purpose of auto financing. I contacted the financial institutions initially on XX/XX/XXXX, when they failed to correct the situation I contacted the bureaus on XX/XX/XXXX. I also made an online dispute to XXXX on XX/XX/XXXX and in two days they still responded stating that it was verified. They all responded that the inquires were authorized. 

My credit score is being heavily affected because multiple ( predatory lending ) inquiries were initiated for the purpose of personal financing when I was actually shopping for an auto loan. These entries are being reported incorrectly and not one of these credit reporting agencies completed an actual investigation to validate this. 

XXXX XXXX is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

XXXX  is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

Equifax is reporting hard inquiries without a permissible purpose for XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

All parties involved are fully aware that continuing to report this is a FCRA violation and defamation of my character by portraying me to look as though I'm applying for multiple personal loans from various financial institutions.
Equifax, XXXX, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX {$670.00} XXXX  XXXX-XXXX XXXX  {$580.00} XXXX  XXXX-XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
I rented a car from XXXX in XXXX. Unknown to me, there was a balance due. I rented another car from XXXX in XXXX of XXXX, and was advised in order to rent another car the balance from XXXX needed to be satisfied. I paid the balance in full in the amount of {$310.00}. 

As of today, XXXX lost my payment, and submitted my file to a collection agency, who in turn has reported to all XXXX credit bureaus that i owe {$310.00}. I have spoken to several dozen people over the past few months people to get this resolved, to no avail. 

Most recent, i have faxed and /or mailed over proof of the payment to all XXXX credit bureaus. I have spoken to XXXX XXXX, the Accounting Supervisor at XXXX XXXX XXXX ) ; and have spoken to XXXX, a Team Lead from Caine & Weiner XXXX XXXX ). All parties have apologizes and assured me this will be updated once they speak with the other parties involved. 

I have been trying to get this resolved for 5 months. I would like this information completely removed from all XXXX credit bureaus, as this was paid in full directly to the creditor, prior to going to the collection agency.
On XXXX XXXX, 2015 I contacted via phone Experian regarding a current address in XXXX, XXXX they are reporting as mine on my credit report. Experian would not let me dispute this via mail or online. I have never been to XXXX, let alone lived there. The customer service person told me that despite the fact that the address when googled is that of a law firm, they can not delete this false information. The Experian rep told me I would " have to contact XXXX XXXX to request removal of this address because they are the ones reporting this information. '' This is not my job to contact XXXX XXXX with such requests. It is Experian 's job to verify this information. I have lived at the same address in XXXX, XXXX for over 10 years and vehemently deny that I have ever lived in XXXX, XXXX.
I called several weeks ago to the collector and gave my l  ast 4 of social security at pont they could not find me. either by social date of birth, name lat name so forth. so I disputed the issue. I then receive from  XXXX  that the collector responded the debt is mine. so today I call and now they can find me under my social and date of birth. that is so weird that they were able to find me now not 3 weeks ago.
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this company that is collecting the debt I worked for. but my apartment and bills were paid by the company so I do n't know how I owe them any money and I was never notified I did owe them anything at all. They had had my email and my forwarding address and nothing was ever sent to me about any money due.
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this company I worked for is upset because I quit because the way they treated my fianc. he was an illegal immigrant and they were calling ins on him after he worked for them 8 yrs faithful  ly.
The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
I have a continuing, extensive, and well documented identity theft. Going back 14 years when I was age XXXX. Equifax refuses to allow me to receive my annual report, and denying me the right to dispute false information. Since 2010 I have attempted and been denied online, and via telephone, due to my inability to answer questions pertaining to my report. Who did I get a car loan from? Who is my morgatge company and payment etc. Information I would know nothing about as it was not me. Not have I ever applied for these products. XXXX and XXXX at least allow me access by sending in verifying documents, and file disputes with them. All items I have disputed have been found to be fraudulent and removed from my other reports. This is wholly unacceptable and a violation of my rights.
XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX. 
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner. 

I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX. 
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX  XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX 

I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX  XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX. 

I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest. 

XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments. 

PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.
It has been brought to my attention by way of my credit reports ( XXXX, XXXX, XXXX ) that an alleged amount is owed on a debt to XXXX XXXX XXXX and Santander Consumer USA .... 
Per my credit reports ( XXXX, XXXX, XXXX ), Santander Consumer USA closed and charged off this account XX/XX/XXXX then showing a payment of {$62.00} was made XX/XX/XXXX. 
Understanding the credit report says closed and charged off XX/XX/XXXX, so how could a payment of {$62.00} be made XX/XX/XXXX to Santander Consumer USA? 
I am filing a complaint for this inaccurate information being reported on all XXXX of my credit reports that is affecting my creditworthiness, according to Fair Credit Reporting Act, 15 U.S.C. 1681 consumer files are to be promoted with accuracy and fairness. Therefore, please delete the entire account from all XXXX credit reports ( XXXX, XXXX, XXXX ).
I have found wrong information listed in my credit report and I have disputed to Experian, but they still not update my info.
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away