WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XXXXI was NEVER late. This account is misleading XXXX   XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX  XXXXI was never late. 
XXXX XXXXI 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXXI HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXXXXXX XXXX XXXXXXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
I opened a business merchant account about two months ago with bank of America in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were " customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Bank of America is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be " customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied!
I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their  lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!
Transunion continues to violate guidelines of fair reporting according to the FCRA. Attached to this current complaint is a copy of the letter I sent Transunion that they received on XXXX XX/XX/2018 requesting 1. The information that XXXX XXXX   sent Transunion enabling them to verify this inaccurate credit card charge off on my credit report.and 2. The contacts of the individuals from XXXX XXXX providing the inaccurate unverified information on my Credit Report. Transunion sent me a copy ( see attachment ) detailing re-investigation procedure. XXXX XXXX has informed me that they have NO contracts binding me to the account and stated that they believe the reporting is fair and left the decision to Transunion to remove this inaccurate unverified information. I have forwarded that letter from XXXX XXXX to Transunion who continues to report this WRONG information on my Credit Report. THIS IS NOT WHAT MY REQUEST WAS AND THAT IS NOT MY ACCOUNT. This will be my final attempt I have enough complaints and responses on this portal from Transunion to proceed with my small claims lawsuit for FCRA violations.
Equifax!!! 


Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
United Consumers engages in harassing tactics to collect debt that has been paid. They have robe called my home repeatedly and when I press 2 to talk to a representative the call is dropped. XXXX I reached XXXX XXXX, who refused to contact the medical provider verify the debt, which was already paid a while ago. XXXX XXXX insisted that I had to prove to her that I paid the debt or the harassing calls would continue.
I was a victim of identity theft and noticed a collection from SOURCE RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SOURCE RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I called Trans Union in regards to the glitch that happened last summer in 2016 and again in the beggining of the year 2017 where inquiries were deleted and then re added back to my report illegally due to the fact no one notifed me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics.
I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.
On XX/XX/2017 I applied for a used car loan with XXXX a division of Santander. The loan was approved ; however I did not agree with the terms of the new loan and asked for it to be withdrawn. Each day since I would receive a phone call from XXXX ( XXXX ) telling me I was approved ; I would express again that I was not interested in the loan and asked to have my application withdrawn. One XX/XX/2017 I received a call from XXXX XXXX, a representative of XXXX. He stated that my loan was approved and went over the terms again, I explained that I would be waiting a couple years to buy a car as I just finished a Chapter XXXX BK and wanted to get better terms and again asked to have my application withdrawn ; at this time XXXX XXXX become rude and aggressive. I also asked if it were possible to have the multiple inquires from XXXX and Santander removed from my credit report to which I as met with more aggressive actions of " Maybe you do n't know how credit works but when you apply for a loan the inquiries stay on your report '' and then proceeded to hang up without properly ending the call.
I am a victim of identity theft by a family member, who is now dead. I have written several letters to XXXX about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to XXXX with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
trying to see my credit report not letting me see it cra, ftc  violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier XXXX has 5 inquires and transunion that are not mine encloses
I ordered XXXX service. XXXX XXXX XXXX setup XXXX accounts. ( why I do n't know ) I was only serviced by XXXX account and paid on time every. They took me to collections for the implementation fee of the XXXX account. I disputed the charge and they removed it. after a few month they re-established it in collections with another collection service. I called them and all I get is that the account is in dispute. 
When I closed my account with XXXX XXXX XXXX they even gave me a refund for my overpayment. 
It was in collections with XXXX XXXX XXXX on XX/XX/2016. AS per XXXX " The creditor agreed to remove charges and/fees, This account is settled '' Now the collections shows up again with XXXX from Franklin Collections services Inc. my valid account number with XXXX XXXX XXXX was paid in full. As shown on my invoices the activation for my account was charged and paid by me on invoices XXXX and XXXX copies attached. When I closed my account with XXXX XXXX XXXX I was refunded the credit that was due me ( copy on final invoice attached ).
Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
My mortgage company has not paid my Real Estate Taxes out of my escrow after stating it would be paid. My tax bill is now past due and I can not get any response or help from them. THe bank is Citizens One
I had ordered a 300 lb Weight Set XXXX XXXX XXXX XXXX via XXXX and paid {$210.00}. When I received the set was incomplete. I contacted XXXX to ship me more parts they refuse. On XXXX XXXX 2017 I decided to call Citi to dispute charges, Citi agreed to process the  dispute.I was shocked to see a reverse charge on my credit card in the amount of XXXX. 

This is regarding case # XXXX
My home loan was sold to SLS in XXXX of 2016. Prior to that, I had been with XXXX Mortgage. Since the transfer of my loan, I have received XXXX letters stating that my insurance coverage was insufficient. The first time that I called in regards to the letter, I was told by SLS that I needed to have enough insurance to cover my existing loan balance. I verified with my insurance company that my insurance amount was enough to cover the replacement cost of the dwelling, which according to Virginia XXXX XXXX is what a mortgage company is allowed to require. After receiving this second letter in XXXX, I again called the company to complain about receiving the letter. I was told that the mortgage company just looks at the insurance amount and the loan balance amount to determine if a letter goes out, and not the assessed value of the property. As someone who works with the elderly and XXXX, receiving this sort of letter would be confusing and threatening and could lead to these consumers purchasing additional insurance that they would not require. When I pointed this out to the representative, he was less than receptive. I feel that SLS needs to stop sending these letters out to consumers using their current metric for determining who receives a letter.
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, WA XXXX 1. XXXX XXXXXXXX Account No. XXXX 2. XXXX XXXX XXXX Account No. XXXXpartial 3. XXXX Account No. XXXX 4. XXXX XXXX Account No. XXXX 5. XXXX XXXX Account No. XXXX 6. XXXX XXXX Account No. XXXXpartial 7. XXXX XXXX Account No. XXXX 8. XXXX XXXX XXXX XXXX Account No. XXXX 9. XXXX XXXX Account No. XXXX 10. XXXX Account No. XXXX 11. XXXX Account No. XXXX 12. XXXX Account No. XXXX 13. XXXX Accoutn No. XXXXpartial 14. XXXX XXXX XXXX Account No.XXXXpartial To Whom It May Concern : I have requested the above creditors to be deleted from credit report being that these accounts are unverifiable accounts. I am at the point now where I am tired of reaching out to these creditors in efforts to resolve these unverifiable accounts. I feel that as a consumer my rights have been completely ignored due to the fact that I have not had any success in getting any of these accounts delete from my credit report since they have not been validated. I have not only requested for the debts to be validated but I have requested for the creditors to provide method of verification. However, I have been sent numerous of billing statement and yet have received any information with a signed contract with my signature between me and the creditors. As you are aware of that under the Debt collection Practices Act ( FDCPA ), I have the right to request validation of these debts that the companies are saying that I owe. I dont understand what is so hard about the creditors sending me proof that I am indeed the party that they are requesting to pay a debt, whereas they is some contractual obligation that is binding me to pay these debts. 
I have been refused employed due to these items reporting on my credit report. I dont feel that this is fair because this information is not accurate reporting on my credit report and should be completely deleted. Although I have made several attempts to try to resolved these accounts. I have been force under the impressions that if I dont make some type of arrangements on the accounts, I would be sued by the company and my bank account would be garnished. Therefore, in an attempt to resolve these accounts I have been force to make minimal monthly payments due to the fact that they are stating that these accounts are indeed mines. However, I am not agreeing that any of these accounts are mines because I have no knowledge of the above accounts. 
The company is reporting inaccurate information on my credit report that is very unfair, and violate my rights as an consumer.
My identity was stolen and a credit account was open in my name, i ask consolidated recovery group to remove the negative item from my credit but they wont comply
Equifax security breach and website is unable to authenticate me to allow me to place a credit lock. I tried calling and was unable to get through to anyone who could help.
XXXX is attempting to collect on a debt that is not owed to them. I have no legal contact or obligation to this company. I have requested a legal binding contract between myself and XXXX funding and have not received. It has been more than 60 days and by law of no validation of debt is sent, they are to delete from credit report. I do not Owe this company and ask all negative reporting be removed.
This company has repeatedly harassed me at my job. I've asked them to stop calling me at work. They would call right back. A man threatened to show up at my home and place of employment. They've contacted my mother late at night threatening to put me in jail. They even some how found my uncles phone number who I haven't spoke to in years and threatened to put me in jail.
The truck financed thru Toyota motors was stolen and wrecked the insurance company covered total balance remaining on truck. I do not owe them a dime.
I tried to cancel my gap insurance and the dealership was sold without any notices with a balance being owed to me. After the cancellation from XXXX XXXX XXXX XXXX gap coverage. I have emailed the old owners and the current owners of the dealerships with no result of resolving the balance owed. There is a charge for XXXX for a paint warranty XXXX for gap coverage that should be refunded seeing as I traded the vehicle on XX/XX/2018 XX/XX/2018
Hurricane Irma Storm Damage Had to sue insurance company to obtain funds. 
Settlement check was issued out to myself and Fay Servicing Repairs started by contractor Initial partial payment released from restricted escrow account to start pay contractor Fay Servicing wanted inspection at 50 percent completion, but has had multiple excuses why an inspector can not be sent.

Now project is at completion, Fay servicing still has not sent an inspector, states it may be another week and then another week to release funds. 
Contractor was to be pain 1/3 at start 1/3 at middle and 1/3 at  completion. 
Project will be competed but Fay servicing is refusing to send inspector or release funds
I would like to file a complaint against TransUnion for not following the rules of the FCRA, specifically section 611 ( 5 ) ( A ). Here are the details which my complaint is based upon. Last year I noticed that TransUnion was reporting items on my credit report which I did not recognize, or have any previous knowledge of. I notified them ( see attachment " TransUnion '' ) of this error and asked that they remove the items. They claimed to have " investigated and verified '' the accounts and permitted them to remain on my report. In XX/XX/XXXX, I notified the companies reporting the misinformation to TransUnion ( see attachments " XXXX XXXX '' and " XXXX '' ) and informed them that they were reporting erroneous information and to correct their records. I asked that they provide me with some verifiable evidence of my indebtedness to them ( signed, executed contract, application or agreement ) They failed to do so. It 's now way past the 30 day allowable timeframe for them to provide me with requested documentation. I have since asked TransUnion to re-investigate these accounts, via their online dispute system, and they continue to report these erroneous, invalid accounts on my credit file. As a result, I feel that I have been harmed, emotionally and financially and ask that you assist in resolving this manner as soon as possible.
This company is a fraudulent company. They are fraudulent, their dealings are fraudulent, they are engaging in fraudulent activities, government should take note. 
I was looking for a program to sign up and take classes online. I got XXXX College online. for XXXX XXXX XXXX XXXX XXXX  Immediately I called to verify about their program. The guy on phone with me said the price for the program will increase the next day when I told him I was going to think about it and call back the next day. He kept me on phone that when I call back the price will increase that he was going to call me that evening. He called, but was still not ready to enroll. He persuaded me to just sign up with him on phone just for {$10.00} deposit. I said no, but he continued that I have 7 days to cancel. I then allow him. They charge my account {$10.00}, but never refunded as promised. I reported the issue to my bank.

The program was about {$1000.00} that day, that I can finish in less than 2-3 months.

I check the site the next day, the price reduced to about {$670.00} thereabout. I called them to cancel that I was not interested anymore, they promised to reduce the price by {$150.00}, I told them no because I began to become suspicious of their activities and dealings. I wanted to cancel they said no, that they can not allow me to cancel, that I must have to pay them {$150.00}. I did not accept any enrollment. I did not even receive any service, materials, nothing from them. Another person that I talked to said since I didn't receive any service and called to cancel the next day, said that I don't owe anything. 
Less than 2 weeks ago, I received a collection letter from Ability Recovery Services LLC to reply, that I owe {$220.00}. That I have 30 days to dispute. This letter is dated XX/XX/2018. On XX/XX/XXXX, my Credit Profile indicated a new item of {$220.00} has been added to my account. less than 3 weeks. 
I have rejected this fraudulent bill but they kept calling my phone that I must pay it. I called them, they said is my bill that I must pay it. XXXX College is fraudulent, the Ability Recovery Services LLC is  Fraudulent, the government should look into their activities immediately. Please publish this online to prevent people falling victims to their activities, their preys, and their scamming tactics, especially those living out the United State seeking cheap online program in the USA.
Most recently, I have begun receiving bills from AES ( again ). They have a pattern of misbilling me for times when my loans should have otherwise been in deferment, such as now, currently at the moment, as I am in school. <P/>
On the two most recent billing statements ( statements which I should not even have ), they first sent me a bill dated XX/XX/XXXX, with a due date of XX/XX/XXXX. Despite the fact that I have repeatedly called them to straighten this out, they continue to bill me erroneous on top of the error of issue these two bills ( so far ) in the first place. <P/>The second bill is dated a month later for XX/XX/XXXX, with a due date of XX/XX/XXXX, which also is incorrect. Among their egregious errors includes the fact that these billing statements also have dates, dating back to XX/XX/XXXX through XX/XX/XXXX, which were also times that I was in school and under deferred as well. <P/>Again, not only should I not be receiving any billing statements at this time, since I am currently in school and have not been out of school longer than even 8-weeks at a time, the times for which they are billing, they reflect past due amounts as well as late charges, and these too need to be corrected, in addition to the fact that these loans are clearly not following along with the Student Loan guidelines of deferring students loans while they are in school. <P/>I am writing you because I am not getting anywhere with them, and time is of the essence, as I do not want to have anything appear on my credit report.
I contacted XXXX XXXX XXXX who refused giving me assistance about an unauthorized inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still did n't take care of it and gave me a hard time