WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead TransUnion investigated 3 of my accounts ( re : report # XXXX ).

XXXX ( report # XXXX ) did something very similar to TransUnion. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...
XXXX XXXX XXXX XXXX XXXX XXXX stole my credit card by screening my background check, employments, fraud & moving my credit line to discover bank when I never had this XXXX as wallet protection ... ..!!!!
I rented a property from XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. From the original move in date until my move out date once my lease ended was nothing less than a nightmare dealing with the many repair and malfunctions of the property along with the property management company XXXX XXXX XXXX. One of the major issues as well as safety concerns were the electrical in the home. The lights flickered on one side of the house with constant outages as well as no power at all for 2 months in the kitchen. After a ridiculous amount of emails and phone calls to no avail. I sent a ceritified letter to owner of the property XXXX, XXXX XXXX that I wasn't paying rent and if and when they decided to make the necessary repairs I'll start back paying. That's when my phone start ringing nonstop for people to come out. They tried to blame us for their faulty wiring but it didn't work. Also their technician sent mistakenly sent me the invoice indicating there was not enough power coming into the home. I called XXXX they sent the big truck out and the technician stated that they had faulty wiring. So XXXX removed the meter and estimated our bill every month for two months until XXXX XXXX did the repairs.However nobody never apologized for the inconvience, responded to phone calls or emails or even compensated us for the expense we had to incur for eating out for two months and no hot water of and on. The list goes on and on. However the month prior to our lease end I received a phone call asking if I were renewing the lease. I stated absolutely not. Before leaving the property with less than 30 days left I was served with eviction documents. I obtained an attorney. we never received any documents for court. We took pictures and video of the property once it was cleared out and cleaned per the attorney and turned the key in to the attorney. In XX/XX/XXXX I received a letter from a collection agency name XXXX XXXX XXXX XXXX for XXXX XXXX XXXX as well as it was placed on my Equifax credit report. The amount started at {$6000.00} plus and as of today its reporting {$7300.00}. We all know this is nothing short of a lie. XXXX XXXX had my attorney asks if I would settle for them just keeping my deposit of {$1800.00} and they would remove the eviction. Originally I disagreed because I know I didn't damage or owe them for anything. After a year and the case still lingering still never a court date or actual proof of supposedly damages I agreed to settle. This negative mark has been detrimental to my credit and the ability to provide adequate housing for my family. I've disputed this several times with the collection agency as well as Equifax. I have even sent them to court documents that this was settled and the eviction information was removed from the court records and they still haven't removed this negative item from my credit report. I don't know what else to do. Please help me in rectifying this matter.
XXXX XXXX, XXXX, XXXX XXXX Experian XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/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 N/A 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
requesting paperwork loan validation XX/XX/XXXX to XX/XX/XXXX ( total amount for XXXX ).
XX/XX/XXXX, I requested my credit report and became aware of a Sears Credit Card account that was opened under my social security number. The account did not have a balance, but did have a credit line of {$8000.00}. I never applied for any credit from Sears and the account was attached to an address across the country where I have never lived. I initially disputed the account with the credit reporting agency and was told that Sears claimed the account was mine. I proceeded to call Sears to dispute ownership of the account. I was assured by no less than XXXX different people from customer service, fraud, and credit assistance that the account was indeed closed and that absolutely no charges could be made. I asked to see the application for the opening of the account and was told that was not possible. I was told that I would receive a letter stating the account was closed but after three attempts, a letter never arrived. 

I viewed my credit report XX/XX/XXXX and saw that the account was indeed still open but had only a {$2000.00} credit line. I called Sears and was told that their " investigations '' department had reviewed the matter and since there was no balance on the account they reopened the account and reissued a card to the address I have never lived. I have to admit, by this time I was livid because I was being treated like I was trying to get out of paying debt when in fact there was no balance on the account. I asked how they could reopen an account that someone claimed did not belong to them and was treated very rudely. After going round and round with an associate from the fraud department by the name of XXXX, I was told that it was n't fraud it must have been my account and he transferred me to another customer service associate who once again told me the account has been closed. I was told again that I would receive a letter stating the closure, but once again I have still not received. I once again asked to see the application for the account and was denied. 

I want this account removed from my credit report for all XXXX credit bureaus, as well as the address across the country it is attached to. It is not, nor has it ever been my account. I want to see the application for the account because if someone has signed my name to open an account I need to initiate the correct legal action. Currently, I am at the mercy of Sears hoping my credit remains safe because I can not be sure the account will remain closed and more cards will not be issued.
I have tried to dispute, multiple times a collection that was included in my BKXXXX - even after discharge their remarks claimed it was an open and active collection account, accosting me an extra out of the gate from discharge derogatory, incorrect and damaging collection status, balance, and keeping the status as an open and active collection account REGARDLESS of the the fact that it was IIB and took several disputes just to get the remark chapter XXXX bk noted, however, they REFUSE to change the status to closed discharged and IIB and it is affecting my credit standing and rebuilding process in the worst way possible. It's not only an FCRA violation, it's an attempt to look like a risky borrower on all 3 of CRA 's. 

The status should report as all of my other tradelines have, XXXX balance, included in BKXXXX and have it listed as a CLOSED matter as it is such. It is still not 100 % accurately reporting after several disputes. 

XXXX XXXX
XXXX XXXX XXXX XXXX {$350.00} ( charge-off ) &  XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
So back on XX/XX/2017 I applied for a bank account at the bmo harris online, I was approved, I never got the chance to bring in my signature card and deposit on time so the account was closed.I called and was informed I had reapply application again but now this time I was denied in which i found odd.I then come to find out that BMO Harris reported me to check systems for fraud.on XX/XX/2017. 
They have wrongfully put this on my consumer report and I want it off, I have never been reported for fraud.I consider this damaging to my reputation by libel.I am a XXXX worker for over 26yrs for a XXXX XXXX I have been a making a difference on published website, University XXXX XXXX XXXX XXXX.
DPT OF TREASURY XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX XXXX. PUT XXXX CHARGES THAT I PAID AT VA HOSPITAL THE DAY I GOT MED THEY HELD EACH OVER AND PUT THEM ON MY CREDIT PROFILE AFTER I HAD PAID THEM STATING PAYMENT AFTER CHARGE OFF/COLLECTION /PAID COLLECTION. I NEED MY CREDIT I HAVE. THIS IS CREATING ME PROBLEMS OF BAD CREDIT. PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR {$72.00}, XXXX FOR {$56.00}. BOTH PAID BY CHECK AT VA XXXX. I NEED THESE REMOVED TO IMPROVE MY CREDIT. WHEN BILLED I PAY MY BILLS. PHONE:XXXX. I STILL AM FED LAW ENFORCEMENT OFFICER FROM XXXX. NOT AFRAID TO PUBLISH WHAT I HAVE AS ALL INFO SEEKERS ARE ACCOUNTED FOR BY XXXX, COMP ID BY THE SECURTIES I HAVE.
I called Transunion and they was not able to help me and kept giving me the run around. All I wanted to do was take off all the hard inquiries that I saw on my credit report that I have no knowledge of due to identity theft which is hurting my score everyday
cra violation taking more than 30 days on a dispute items i sent to navient and XXXX cra violations of my rights inaccurate information must be removed
In XXXX of 2012 me and my husband moved to XXXX. We vacated our house in XXXX which was in foreclosure and still is. The banks were informed we were leaving and they took over care of the property. Now a law firm in XXXX has placed derogatory information on all credit reports for a utility bill after we left. It is possible that a squatter is there but I have no knowledge. I sent them an initial letter requesting verification of this debt. They sent me a copy of a bill after I left XXXX. Additionally they are not licensed to do credit collections in XXXX even though they claimed they are. I also could not find them in the XXXX Bar site. I have also sent out a second certified letter with proof of residency in XXXX.
This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another XXXX of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XXXX XXXX, XXXX, when my last credit report pulled was XXXX XXXX, XXXX and they were no where to be found.
On XX/XX/XXXX i was informed from my parents that Navient loans from the department of education called. They left a voicemail stating that i was past due on payments from their department ; stating that i was supposed to start making payments the beginning of XXXX. I am in the military ; when i left for the military it was in an agreement that i would be on an XXXX XXXX military deferment until XX/XX/XXXX. Since being in the military i have taken college courses paid for by the XXXX XXXX. Being that i have taken college classes, Navient reactivated my student loans. I never received any mail from Navient. They said they have sent me multiple emails, emails which where being sent to an email used by XXXX XXXX XXXX College ; which i no longer have access to. After receiving the voicemail on XX/XX/XXXX I called Navient immediately. They fixed my missed payments and put my account on hold until XX/XX/XXXX. The next day I checked my credit score,  seeing that my score dropped from XXXX down to XXXX, due to 90 days missed payments. I called Navient customer service, explained the situation. Then I was transferred again to the military department within Navient. I again explained my situation with the credit report, not receiving emails, only receiving the one voicemail left on our home phone number on XX/XX/XXXX. The customer service representative gave me the run around and said, there was nothing they could do to fix the issue once reported since it was accurate information. Now i am seeking help to solve this issue. If I knew student loans opened after taking XXXX  college courses, I would have made sure to pay them on time and not miss any payments. Since I was never notified effectively, I could not ensure that this was taken care of.
I keep paying my Navient balance. However, they always seem to apply it all to the interest and none of it to the principle. Therefore, my student loans have not dropped. I called them about it, I keep getting disconnected. This organization is run by crooks. I asked them to send me a statement on how it 's being applied. I have paid more than the statement. It 's getting misallocted.
Navient, then XXXX, essentially give me no assistance. They expect me to XXXX out over $ XXXX in student loan payments. This does not include the other loan payments from other entities. The amount of loan payments per month is more than full rent, and nearly implausible to pay. Upon asking for income based repayment, I 'm told I 'm not eligible anymore. If I ask for any other assistance, I 'm told I have no options. I accepted these loans via financial aid in XXXX, which in itself is a scam of a school. I believe they are also under federal investigation. My life is nothing but student loan debt and the sheer amount of debt in just this is crippling. I am barely making ends meet when I have a XXXX salary. This should NOT be how people live.
RE : DELETIONS TO CREDIT REPORT Dear XXXX, TransUnion, XXXX  : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX  Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,
In XXXX XXXX, I started a deed in-lieu of foreclosure process with my original mortgage company, XXXX mortgage, due to being XXXX XXXX military and PCS'ing. As of XXXX XXXX, I was told the process was complete and just waiting closing. In XXXX XXXX, I discovered ( due to a delinquent alert on my credit report ) that my loan had been sold to Loan Care, LLC., and that I was now behind on payments. I promptly contacted XXXX XXXX who proceeded to tell me I would have to start all the paperwork over again. I completed the paperwork and sent the signed and notarized documents back to them in the XXXX XXXX timeframe. On XXXX XXXX, XXXX, it was reported to the VA that the deed in-lieu of was in the closing process. Since then, I have not received any closing paperwork or any finalization, and multiple attempts to contact the company have resulted in a run-around of being told the process is complete and they are unsure why it is still being reported to the credit bureau. On XXXX XXXX, XXXX the VA was able to see notes updated in the system saying the loan was closed. From there, my VA rep and I both attempted to contact the company for further information. The VA rep still has not received any response to her emails, and I was told on XXXX XXXX, XXXX that a letter had been sent to the credit bureaus to correct all data. On XXXX XXXX, XXXX, I contacted the mortgage company again to find out why no updates have occurred yet. I was transferred to a supervisor who told me that she could not see any of my information or notes in the system because " it was the wrong department '', and that she would email the POC and his supervisor with my information to return my call. I have left messages with the POC several times in the past and have never received a call back from the company. I still have not received any paperwork showing that the process has been finalized, and the credit bureaus still have not been updated to remove the delinquencies to fix my credit score. I also need the VA to receive all the final paperwork as well to restore my VA benefits. This process has been ongoing for a year and, due to my loan being sold and being unable to contact the right POC, still has not been completed or resolved.
I do not recognize this account, and have submitted over and over for proof that I indeed consented to this account. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this account via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.
Security Finance of Oklahoma is a signature finance loan company. When I found myself unable to pay, I first began getting harassing calls making me feel threatened. I then had an employee from Security Finance come to my home and threatened that they would have me put in jail if I did n't pay my bill.
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX XXXX from XX/XX/2012. Convergent is the sixth collection agency to attempt to collect the debt. The debt is not mine and all other collection agencies, in addition to the original creditor, have been informed that the debt is not mine. 

I sent a debt validation letter to Convergent requesting proof that the debt was mine. They sent me a letter stating that the debt was valid along with a bill from the account on which the debt is owed. The account was not mine and, again, the debt associated with the account is not mine. 

I called Convergent on the phone and let them know that what they sent me was no verification at all of a debt owed. They informed me that they would send documentation with my signature proving that the debt was owed. This was weeks ago. Convergent, through inaction, has refused to appropriately validate the debt. 

Additionally, it should be noted that the alleged debt first became past due in XX/XX/2012.  According to Florida law, the debt is time barred due to the statue of limitations.
I received a referral from a friend for the American Express XXXX XXXX XXXX card, which offered XXXX miles if you spent {$1000.00} in the first 3 months and have never received a bonus on the card ( I have not XXXX. In short, I did n't get the bonus - but they have admitted to me that it is indeed owed to me but nobody is able to make the adjustment. I followed their process, but it has now been like 4 months with multiple deadlines passed that they gave me for resolution. I waited the first XXXX weeks for the bonus to post, it never did. I contacted them to open a case to research, which they told me would be XXXX weeks. The result of that is they closed it and admitted I fulfilled the offer, however they identified a large number of accounts that the bonus failed to post to. They told me it would be resolved in XXXX days. That deadline was earlier this week. When I contacted them, they said they are n't sure why I did n't get it but would open up another case and I would know more in XXXX weeks. I would like your help to get these bonuses paid out, for myself and everyone else. Waiting XXXX months is not right when they have admitted that they owe them to me.