WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX ( accnt # : XXXX ) 2. XXXX XXXX ( accnt # : XXXX ) 3. XXXX  ( accnt # : XXXX ) 4. XXXX/ XXXX ( accnt # : XXXX ) 5. XXXX XXXX ( accnt # : XXXX ) 6. XXXX ( accnt # : XXXX ) 7. XXXX XXXX XXXX XXXX ( accnt # : XXXX )
My account was disable 2 weeks ago. Coinbase requested scanned copies of driver license and proved of address verification. Information was entered multiple times. I still have no access to my account.
I Initially contacted PennyMac to terminate my PMI. They are stating they requiring an appraisal even though, from what I understand, if my loan reaches XXXX % of the original appraised property value, they need to terminate immediately. My loan is currently ~XXXX % of the originally appraised value. 

They have not responded to me pointing out this law.
Back in XXXX I ordered a computer from XXXX for a family friend. I was excited and it was for his birthday. Because it was shipped to his house he told me if it would be okay if he asked the carrier to leave it by his side door because he wont be home. So he did that. When he got home the package was gone. I called XXXX and they were no help, they said it was our fault we did not have it. I filed a claim with Chase because I did not know what to do. They gave me a temporary credit and said they would research the claim. Today XXXX XXXX they said they will reverse the claim because my claim was invalid and XXXX was correct, I do not have the item because it was never received. Now I will also lose the money. Please advise.
I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?
Midland Funding LLC filed suit against me and attached false and misleading affidavits. Upon response to " Admissions '' refused to agree with the CONSENT ORDER. Denied the CONSENT ORDER between CFPB and ENCORE, MIDLAND FUNDING, etc. Continued to attach more false and misleading documentation but still not proving this debt was part of the " pool ''. Refuse to supply.
I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
wells fargo dealer svcs account on my credit report is in a class action law suit with wells fargo were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
JP Morgan Chase has operarated ( and continues to ) in an extremely unprofessional manner. They continue to accuse me me of not getting requested documents to them in a timely manner and basically accuse me of lying about things that have happened during our request for a simple loan modification on our mortgage with them. This is evidently something that they have done to numerous of their customers. For several years I have been in serious dispute with them regarding this matter and I refuse to give up until we receive a satisfactory resolution. 
The loan is in my fathers name and I have always had authorization to discuss anything regarding the account. I had received numerous correspondences from them until the last time I filed a complaint about them, approximately a month ago, I receive a letter.from them accompanied by some authorization forms telling me that I am not authorized to discuss the account. BUT I am indeed authorized to discuss the account, nothing has changed on our end regarding that. 
They are complete imbiciles that has no clue how to treat their customers. 
I will continue to report them to any company or organization until we receive a satisfactory resolution. 
This is a follow up on a previously submitted complaint.
On XXXX/XXXX/2017 we were at XXXX XXXX XXXX center, where I was having XXXX. That same day a series of fraudulent desposits into our bank accounts at Bank Of America began. This was followed by withdrawals which caused our accounts to be overdrawn. All of these transactions took place at several out of state locations, well outside of our normal area. We did not receive any notice from Bank of America, it was only when my wife tried to use her debit card at a local grocery store and was denied ( XXXX/XXXX/2017 ) that we became aware this situation. She immediately notified BOA putting a freeze on further activity. We were assured by BOA our money be refunded once an investigation was completed. We have since received a letter from BOA stating since a debit card and pin # where used during some of these transactions we are at fault and liable. We are attaching four files showing times, locations, and what little information BOA has giving to us. We are a retired couple living on a very moderate income and had to withdraw additional funds from an IRA to get us through to this point. We feel that we have been treated like the criminals and BOA has acted in there own best interest not ours. We have been a customer of BOA for forty years and never even bounced a check.
We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.
Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.
Discover Personal loans placed my loan in a collection account rather than lowering payments due financial hardship. Since it has been in collections the loan has negatively impacted my credit and prevented me from getting an apartment, job and stable means of obtaining work to pay off the debt. 
If possible I would like the collection account removed from the credit score so I can gain stable employment and obtain a place to live. I am also open to other options at the lenders discretion in order to get employment and a place to live.
XXXX Solutions called my sister on both her home phone number and her cell phone number, and proceeded to leave a lengthy message about their attempts to collect a debt in my name that was allegedly attached to XXXX Bank. I am not with XXXX Bank, and have not been with them for around XXXX years now. They also called my parent 's home phone, without leaving a message. The number left was XXXX. I have been harassed by multiple scam groups in the past year and have researched some of the laws involved and how they conducted themselves seemed illegitimate. I owe money to varying groups, and I am in contact with each and every group I do in fact owe, and have paid or am in the process of paying the debts that I owe. I have never XXXX dealt with a company called XXXX Solutions, or recieved any letters regarding any intent to collect a debt from said company. As I said, this is not the XXXX time I have been the victim of scam calls, and I am not foolish enough to speak to or give any information to these groups anymore. I will only ever deal with a legitimate business that conducts themselves as such. Every group I deal with contacts me via certified, confidential mail, not threatening voice mails on family phones. I have attempted to submit complaints on previous groups before, including Delaware Solutions, LLC, who still occasionally attempts to bother me as well, but this is the XXXX time I am following through with a complaint, because I am absolutely out of patience in being harassed like I am. It feels like extortion. It 's definitely harassment. 
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.
On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by Capital XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached
WayPoint Resource Group ( WRG ) has placed a collections account on all three of my credit reports, XXXX, XXXX and XXXX. I have never received a letter from WRG concerning this alleged debt via US Postal mail which is required by law. WRG stated in the collections entries that this debt is from XXXX. I am a current XXXX customer and I only recently started my service with XXXX at the beginning of XXXX. Before my current XXXX Subscription, the last time I was a XXXX customer was in XXXX. I did not have service with XXXX in XXXX  as WRG has stated in my credit reports. At the end of that service in XXXX, all my services were paid for and XXXX has never contacted to the contrary. If I owed XXXX for rendered services, they could have notified me when I regained service at the beginning of XXXX.

WRG has essentially submitted a fraudulent entry on all three of my credit reports concerning the validity of the debt. First, WRG did not correctly notify me before placing the entry on my credit report. Second, WRG notated that this debt was reported to me in XXXX. Again, I was not a XXXXXX/XX/XXXX customer in XXXX. This information is false and incorrect.
Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX
I was contacted on XX/XX/XXXX via text message about an XXXX  opportunity to do a commercial with XXXX. I followed up with the opportunity and was told I would receive a check of {$5400.00} from XXXX XXXX  of Arizona for my involvement in the project. I was contacted by another cell number where they told me they would send a check via usps in the amount of XXXX. The mail arrived XX/XX/XXXX in a USPS Express box. I was told to deposit the check on XX/XX/XXXX and later told to withdraw the amount of XXXX out of my Bank of America account on XX/XX/XXXX. After withdrawing the money, I was told to wire the money via bitcoin Atm. On XX/XX/XXXX, I contacted my bank because my card kept getting declined. I was directed to the check fraud customer service and explained my situation but was told there is nothing they can do about it even though they did not detect the check was fraudulent during the deposit resulting in my complaint.
I 've requested, on numerous occasions now, a copy of my original master promissory note, and every time I have received something different. One of the " different '' documents I recently received was a copy my application for loan consolidation. I believe the date on the document ( X/X/07 ) was forged because the date next to my and my father 's signatures was when I was temporarily living ( 2 months ) in a different state to help a friend with his landscaping company and the place that we stayed had a p.o. box address that I had never given to anyone. I lived there from XX/XX/XXXX to XX/XX/XXXX. The date is also written in handwriting that is neither of ours.
I received a notice through my  XXXX  that I had a new account being reported, a collections account. Whereas I have never received any communication from this debt collector in writing on phone call that I owed this debt, it went straight to being reported on my credit report and I was not given the right to dispute this.
This is the second case I 've had like this. Their system is replacing previously reported data with " NR ''. For years, Equifax has report my XXXX XXXX account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is deleting the reported credit info for each monthand turning into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX XXXX. XXXX is next week and the month of XXXX XXXX was replaced with " NR '' a couple months ago and still showing " NR '', which means it is NOT going to purge off XXXX XXXX like it should in XXXX XXXX because there is No Report history.
My problem is with Wells Fargo reverse mortgage department. I was appointed the personal representative for my mothers estate and have been attempting to resolve the reverse mortgage with Wells Fargo for close to a year. I have followed all the guidelines set forth by Wells Fargo and they continue to stall, request documents many times over, tell me they have everything they need and then a week later ask for something new. The requests come XXXX at a time. I do n't think they know what they are doing. I need some help. Thank you
My bill with American Express was due on XXXX XXXX. The amount was XXXX. I pay my bills on time. I decided to pay XXXX, about 2 weeks before the due date bringing the bill down to XXXX. One week before the due date I received an email from American Express informing me that if I did not make a payment immediately the bank May suspend charging privelegs. This is not the first time I have received threats and harassment prior to the due date attempting to intimidate the cardholder to pay the bill prior to the due date, I called them and was very clear that the bill would be paid on the XXXX and not before because this is when I get paid and I have a budget. I also told them I have a mortgage but never receive intimidating emails threatening to cancel my mortgage if I dont pay it earlier than the due date. I have had my card fir 25 years with them. It is outrageous that XXXX contacts their customers with these threatening demands and they should be made to stop.
Payments were sent to FIRSTMERIT BANK on or around the dates of XXXX & XXXX in the full amount of {$70000.00}. However, FIRSTMERIT BANK did not release the title of the vessel in relations to my account XXXX # XXXX XXXX. See attached exhibits for further details. I called FIRSTMERIT BANK and XXXX their representatives informed me that they were going to send me my title ; however, I received a letter detailing that they were not going to release anything, even when my account clearly has been paid off. This is a direct violation of UCC XXXX ( b ), UCC XXXX ( b XXXX & XXXX XXXX XXXX and refusal to release title after the debt has been cleared. As stated, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. As a result, a complaint was filed with the XXXX ( See attached receipts and records listed Exhibits ).
Equifax has been remove almost all my account from my fileXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXTXXXX HAS BENN REMOVE # XXXX
Upon the sale of my home, I received letters from XXXX XXXX XXXX XXXX months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX has not shown proof that this debt is owed. 

Finally, XXXX XXXX continues to harass me with 5-10 time per day to collect the debt.
I keep getting phone calls from XXXX and when I ask who is they will not tell me so I hang up. I am being harassed and do n't know why. When I look the number up on XXXX it says " Portfolio Recovery. ''
My name is XXXX XXXX, I am contacting you regarding accounts on my EXPERIAN, XXXX and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.
I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report
I have repeatedly asked Equifax for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Equifax states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Equifax and for what permissible purpose as well as all documentation Equifax received to give these companies access to my credit reports. I am also requesting the name of the person from Equifax that provided my reports to these companies. I need to see documentation on all inquires listed on my Equifax credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Equifax ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Equifax making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint.

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Equifax delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Equifax as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX  and my legal counsel.