WillisBack/dataset-financial-user-claim huggingface dataset:
This is a formal complaint against you, Equifax due to your failure to comply with the FCRA laws and refusal to delete unverified and inaccurate information being reported on my credit report. Under the Fair Credit Reporting Act of 1970 ( FCRA ), all consumer reporting agencies must ensure that they establish and follow reasonable procedures to assure maximum possible accuracy. Furnishers can not report information if they [ know XXXX or have reasonable cause to believe that the information is inaccurate. Moreover, CRAs must conduct a reasonable reinvestigation when a consumer files a complaint about errors, and the CRAs must remove incorrect information from a consumers report within a limited period of time. Clearly, you are relying on the furnishers to conduct the investigations and determine whether an error has occurred and/or taking the word of the furnisher in handling these complaints/disputes. I am writing to dispute the accounts referenced below. I have disputed these accounts information as inaccurate with you and requested validation several times by mail and phone, and you have come back to me, stating that you were able to verify the debts but still have yet to provide any validation for these reported trade-lines. How is this possible? Under the laws of the FDCPA, I have contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. The listed trade-line ( XXXX XXXX BANK -Account # XXXX ) is not mine, I have NO knowledge of this account and as such represents a very serious error in your reporting. Please be advised that I am not requesting verification, that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade-line. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information. Please know that you have 30 days to either answer these demands or to remove the associated negative trade-line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX XXXX BANK -Account # XXXX This account is not mine and I have no knowledge of this debt. Therefore, it should be REMOVED/DELETED!!! 

***DELETE THIS TRADE-LINE FROM MY CREDIT REPORT/FILE INCLUDING THE UNAUTHORIZED INQUIRY****
Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes
Good Afternoon, Re : Marketing offer never received : 4 months ago I opened up an account in Suntrust Bank the location in XXXX  XXXX, Fl It is near a place where I do contract work and they do direct deposit. I had an offer for a new account that offered {$200.00} after 90 days of opening a new account and having direct deposit and a min of XXXX the checking account would receive the deposit. I went over to the branch and asked if I can open the account or had to do it online. The lady that attended me said it was not problem. She said She would do all the paper work for me and after 90 days I would received the {$200.00} deposit.
Well its been 120 days now and I have asked and they are always giving me the run around. There was also a man complaining at the branch when I went also with the same issue.
I asked to speak with the manager but they would never let me talk to him. I called the XXXX # and put in a complain and they told me that I did not open the account correctly. I explained that the branch opened the account and I was told everything was fine no problem that I would received the {$200.00} in 90 days. I keep getting the run around, I complained again and was contacted by a lady named XXXX from the XXXX # and she explained that at the time I opened up the account 2 offers were going on. 1 for Branch and 1 for Online accounts. She explained that the manager would take care of this for me and I would receive my money since it was not handled appropriately. Since then the manager contacted me 2 weeks ago and said he was very busy and would call me the nest day. I have not heard from anyone and every time I call they are very unprofessional and give me the run around. I have other banks I use and I have never experienced this type of customer service before. I left several messages with the manager and never receive a call back.
Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked Equifax and XXXX  both to do more research on my score to repair it and they did nothing.
Repeated calls starting early in the morning and occurring all days for two to three days at a time. Repeated at least 10 days during XX/XX/XXXX and XX/XX/XXXX.
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY
I was approved for a {$300.00} cl with Capitol One in XXXX 2015. In XXXX after spending {$100.00} an abusive ex stole my wallet and charged my Credit {$65.00}. I called Capitol One and explained the situation. They said because my Card and Wallet had been returned i was responsible for it. I also complained to the rep that my {$300.00} credit was actually only {$190.00} but my bill was {$350.00}! {$150.00} of it was yearly fees, membership fees and late fees! I explained a few times i was late because of the theft and I had been hospitalized several times from XXXX for XXXX in XXXX. I explained a few times when calling representatives my dilemmas in paying late and that the whole reason i even got the card was to build my credit not make it worse. So in XXXX the representative said they would enter into a hardship payment plan contract with me. When i got the contract in the mail i could not log into my account because they turned me into collections THE DAY BEFORE I just received the paper work! So now this is on my credit report which took me from a XXXX to {$490.00} for that XXXX little fraudulent collection! I opened the card XXXX 2015, on my credit report it says i was late 6 months then says XXXX and XXXX was ok but was late XXXX and closed XXXX.Thats only 5 months.
My husband and myself were pre approved for a mortgage loan. We gave {$500.00} in earnest money to our home builder and our loan papers were sent to a loan originator. A few weeks later we were contacted regarding some in dispute remarks on our credit. Phoenix Recovery Group was called by myself and my husband to have " account in dispute remarks '' removed from our credit report. We have also submit letters stating we no longer dispute the account and to please remove any indication that the account is in dispute to the collection agency as well as all XXXX major credit bureaus to have these remarks removed. The debit collector responded to the credit bureaus stating they refuse to remove the remarks. Upon calling the collection agency, a woman named XXXX screamed at me and demanded that I pay off the debit to have the remarks removed. She said her client needs to be happy as well. I told her that I did not need to do that and she is violating the law by falsely reporting to the credit bureaus the account is in dispute. She continued to yell at me demanding money from me. Our loan has since been denied because of this, our credit has taken several hits because they loan officer had to keep pulling our credit and we have to be moved out of our current home XXXX/XXXX/16.
I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.
I made a complaint to XXXX about a {$50.00} mark in XX/XX/XXXX on my credit report they had on me that was made 7 years ago in XX/XX/XXXX, here now in XX/XX/XXXX they put a 90 day credit freeze on my report. I can't do anything, I am a senior citizen with XXXX, and I can't afford XXXX   here in the US and need to go to XXXX. This I had to cancel till I work this out. I called XXXX and talked to at least 6 people none of which where here in America, and asked a lot of question half of which I couldn't understand, and was transferred every time. This is a Foreign Company controlling my credit and asking for my SS number.
The company is coming after me due to a debt owed from XXXX University. To my understanding XXXX University is a XXXX based college, I have lived in XXXX for the past 20 years and did not attend an out of state University. 

Therefore, someone used my information to obtain college education. Also was told it was for XXXX  education my career focus, since highschool, was XXXX. 

Also, the college states that I attended the University back inXX/XX/2016. I was a graduate of XXXX XXXX ( XXXX ) class of XX/XX/2016.
I received a call from XXXX XXXX at XXXX regarding a debt that I supposedly owed from Wells Fargo. She stated that the debt was in XX/XX/XXXX and was the amount of approximately {$790.00}. XXXX XXXX did not state which firm she represented but threatened to send the police after me. Furthermore, I have no recollection of an overdraft debt owed. I have been a customer of Wells Fargo since prior to XX/XX/XXXX with bank accounts that they could have levied should a debt have been owed. I was never notified of said debt, no collection attempts have been made, and there is no proof that I owed the debt. I and my wife attempted to tell XXXX XXXX this and that we were concerned that if there was a true debt that it was not mine as we had never been notified. XXXX XXXX hung up on my wife and ( again ) threatened to send the police after me. I am concerned that if this debt is valid, that Wells Fargo did not follow Fair Debt Collection Practices and furthermore that the threats made by this attorney are harassing and unethical.
the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all
First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake.
I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Issue : Chapter  XXXX  filed  XXXX     2010.    According to the Fair Credit Reporting Act, a  Chapter   XXXX  bankruptcy will be removed from your credit report after  seven years.      However, the Credit bureaus ( except  XXXX   ) s till report Chapter  XXXX  on my credit report. In particular the Credit bureau that On Site uses to do background check on apartment applicants : this is adversely affecting my ability to lease an apartment ; Relocating for a job.     Please assist. Thank you.
A company by the name of   XXXX   XXXX   XXXX   contacted me on  XX/XX/XXXX  stating that they were collecting a debt fo r US B ank. The amount they were requesting was {$250.00} with interest of {$270.00} totaling {$530.00}.  <P/> However, I know this issue was sastified on  XX/XX/XXXX  directly with  US Ban k. I personally contacted  US B ank, and was informed that they have no record of any outstanding debt with me.  <P/> Please be aware of such a scam. The person that attempted to collect this debt is with   XXXX   XXXX   XXXX   Her name is  XXXX   XXXX  and her phone number is  XXXX .
Some weeks, past, I received my motor vehicle insurance bill ; with a notice of rate increase related to an Experian credit report. The notice indicated that I am entitled to a free copy of that report within 60 days of the date of that notice letter, XX/XX/2017. 

Today, I called the phone number provided for Experian, XXXX, which is wholly automated ; and, my responses to the prompts resulted in the stated order of my credit report to be received in 8-10 working days, by mail. That was not my intention ; and, this report will likely count against the one free annual report to which I am entitled. 

This company provides no means for live communication, and should be put out of business without remedy of this matter.
A couple of years ago I have discovered unauthorized charged on my Discover card, and have contacted Discover with hopes of resolving the issue. Discover shut down my card and nothing was resolved. I refused to pay the amount I did NOT authorize thus Discover sent this account to collections. This year I decided to clear negative items from my credit and contacted Discover with hopes to pay in lieu of them removing this account from my report. A few months later I received a statement from Discover stating that they have charged off this account but if I wish to pay it I should contact XXXX XXXX who is now collecting on this account ( see attached ). I have contacted XXXX and agreed on a payment plan. So far I have made a total of {$4400.00} to XXXX XXXX for Discover account however Discover is STILL reporting the outstanding FULL balance to all XXXX bureaus on my credit report continusly damaging my credit and claims NOT to have received any payments. However, XXXX states they have forwarded all payments to Discover ... After all this money paid none of the parties seem to know where the funds went and I still ca n't refinance my house due to this unresolved matter and Discover card being in dispute. Please help!!!
Financial Control attempted to collect more than I owed for medical bills, that my insurance Company, XXXX XXXX had paid. I did pay CFC a lesser amount that we settled upon more than a year ago during 2014. They stated that the collection would be removed from my Credit Report if I agreed to pay that day! I felt forced to pay it, since I knew it would negatively affect my credit score. A year later it is still on my credit report!!! I want Central Financial Control to remove this from my credit report as they stated they would. This is an unfair tactic, that destroys ones credit.
The items still showing up on my credit report all need to be removed. As these were charge offs between XXXX by " XXXX XXXX '' prior to selling to XXXX Bank in XXXX of which XXXX Bank is still trying collect debt. Therefore, both negative reporting on ( XXXX XXXX # XXXX AND XXXX # XXXX ) with XXXX Bank need to be completely removed from my file as they were not the original creditor that discharged these accounts. Also, the XXXX negative report remaining from Portfolio Recovery on ( XXXX # XXXX ) was charged off by XXXX XXXX in XXXX and needs to be removed completely from my files. I continue to get letters the claim they have never heard of my complaint but I have made a few through the XXXX agencies and CFPB. I am again attaching a file with proof of charge off 's.
XXXX XXXX, 2017 I went into Best Buy and asked an employee about financing a product. He told me that he would need my ID to see if I would qualify and explicitly stated that this would not cause any sort of hard inquiry on my credit report. Now I 've checked my report recently and I see an inquiry from CBNA/BBY - " Citibank North America/Best Buy ''. I would like to have the inquiry removed as I only consented to seeing if I would be approved under the conditions that the employee told me - that I would not see a hard credit inquiry.
Disputed navy federal credit union auto loan that was opened on XX/XX/XXXX.  After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.
On XXXX XXXX, 2017, I received an alert that a new collection was added to my XXXX credit report by Enhanced Recovery Collections in the amount of XXXX dollars on XXXX XXXX, 2017. I do not have any contract with this agency, nor did I receive any notification prior to this date about debt being added to my social security number.I know by law I am to be notified up to XXXX days and this agency did not abide by the law.Please remove this collection from the report.
My account ending in XXXX with Continental Finance was closed, supposedly brought to a XXXX   balance. I received a statement today showing I owe XXXX XXXX, there is a finance or maintenance fee in this amount. This does not make sense as account is closed, there should be no fees or charges added to it.
1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-XXXX ACCOUNT {$1300.00}
XXXX XXXX on XX-XX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from XXXX XXXX.
Credit bureau is in direct violation of XXXX XXXX compliance, FCRA and FDCPA.
I have requested in writing and sent via  USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days.   Thank You in advance,  XXXX   XXXX