WillisBack/dataset-financial-user-claim huggingface dataset:
IN RESPONSE TO CFPB COMPLAINT:XXXX To Whom It May Concern : This is in regards to the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX   XXXX  Account XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your  assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to  determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ),  and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of  2017  and my dispute case disappeared. I disputed again in  XXXX   2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.     TransUnion investigated and removed this right away.
XXXX XXXX has tried to collect the amount of XXXX dollars from me. I havent defaulted on any bill or statement in a few years. they hit my credit for that amount 3 time in just one month. the dates are XX/XX/2018, XX/XX/2018, XX/XX/2018 they are all for the same amount XX/XX/18 and XX/XX/2018 are both on my XXXX the XX/XX/2018 is on my XXXX. i have never even heard of this company before.
XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 

3. The current payment account status is 120 Days Late but the account is Listed as closed. 

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
I called Equifax onXX/XX/XXXX to dispute inquiries that I did not recognize on my credit report that they sent to me the week prior. They requested a police report and would not investigate the validity of these inquiries that are listed below : XXXX XXXX/XXXX   XXXX Did not authorize XXXX XXXX to pull my credit again on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXk XXXX
Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. I do not nor have I ever had any contact with this collection agency. Nor have I gotten any for of communication from them in regards to reporting negative information on my credit report to XXXX XXXX. This information that has been reported is in violation of the Fair Credit Reporting Act laws. At this point no communication is warranted the damage has been done. I would like for them to validate any contracts they have along with payments and amounts due pertaining to the alleged debt. If validation can not be proved I demand the negative reporting be removed from XXXX XXXX immediately. If validation is found I have the right to have all findings mailed to me with 15 days of the findings and demand 30 days to respond.
My account : ONLINE COLLECTIONS #  XXXX  was paid in full at  XXXX   XXXX  and is not a valid collections account, you will find the receipt of payment attached.
I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.
I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please help me resolve this important matter as soon as possible. Thank You Kindly
My child support account # XXXX is with XXXX XXXX not XXXX XXXX XXXX. XXXX XXXX XXXX was contracted by XXXX  XXXX to collect withholding only. They do not own this account. It is a XXXX  XXXX account. ( see attached email ) XXXX  XXXX XXXX continues to report incorrect information even after a representative from XXXX  XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX  XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX  reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : EXPERIAN - XXXX   XXXX XXXX  reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX  XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it.
I believe the shared processing network and database that XXXX XXXX companies use has been hacked or threatened with a Bot and thousands of customers may be affected. 

I applied for a XXXX XXXX XXXX about 3-5 years ago. 

Two weeks ago, I received an email telling me " my '' application had been received from and I need to click a link to verify it. I figured it was a scam, so I ignored it. A few days later, I received a followup email telling me the application has been processed. I called the company and explained that I had not applied for a loan. They asked me to verify my info and I discovered the application contained my name, previous address, drivers license #, DOB, and SSN. I submitted a report to FTC and added a fraud alert to my credit report. I also submitted a police report. I called the cash advance company back to ask for the banking info associated with the applicaton in hopes of getting a name of the thief from the bank, but they would not release it. 

This morning, I received another email from a different cash advance company - same thing, asking me to click the link to verify the info. I hoped the webpage would show banking info. I clicked the link and it did include banking info - my old banking routing number and account number!!! 

This leads me to believe that there is n't a single person submitting an application under my name, but it 's possible that the shared application processing network these companies use may have been hacked with malware or a Bot and the Bot is processing XXXX applications for XXXX customers in their database using the stored info the customers initially submitted years ago when a legitimate application was filed. 

The name of the first XXXX XXXX company was Green Trust Cash. 

The email I received today was from XXXX XXXX Now. The number is XXXX. They closed the application and put a fraud alert on it. 

However, I think there should be some type of public announcement to previous customers because inquiries are being made on our credit reports. 

Please contact me with a resolution. 

*In the next section, I provided my old address, which is the address on the cash advance applications. 

**I could only submit XXXX company name in the next section, but there are XXXX. See above for the XXXX company name.
The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
This is not my debt I no longer live at this address XXXX XXXX XXXX XXXX XXXX Georgia XXXX You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2017 ( 1 yr, 4 mos ) Account status Open Type -- Responsibility Individual  Remarks Placed for collection Original Creditor Name 1XXXX XXXX XXXX XXXX
This complaint is about Bankers Mortgage Lending Inc. who are involved in unfair lending practices. We bought a new construction home from XXXX XXXX in XX/XX/XXXX. The lender approved our mortgage based on unimproved property taxes and no CDD fee. They estimated our taxes to be XXXX and they are over XXXX. When we paid our taxes in XX/XX/XXXX our escrow account was short XXXX and our payment is set to increase by over XXXX/month. We are not alone. In speaking with numerous neighbors with XXXX XXXX financed by this lender they too were short and payments have skyrocketed. In one case he has an increase of XXXX/ month. None of us were informed by the lender or XXXX XXXX that our payments would be going up. Seeing as they are the preferred lender for XXXX XXXX they have done numerous mortgages here in XXXX county, it is implausible that they did not have a better idea as to what the tax rates should be. I believe this was done purposely in order to have buyers qualify for higher mortgages and to help sell more houses for XXXX. Numerous people are now having to refinance or sell their homes because they can't afford the payments.
XXXX XXXX/NationStar letter dated XXXX XXXX, 2015 is inaccurate. My letter was not dated XXXX XXXX, 2015 but was dated XXXX XXXX, 2015 which was within 30day appeal window from the NationStar XXXX XXXX, 2015 denial letter. ( Please see CSPB Case # XXXX XXXX. On XXXX XXXX. 2015 NationStar Customer Relations denied HAMP 1, HAMP II and Standard Modification were Default not imminent. On NationStar letter dated XXXX XXXX, 2015 stating that our loan # XXXX was suspended because our account was not current. Therefore we are qualified HAMP1, II and standard loan modification. And I have appealed with in 30days on XXXX XXXX, 2015. XXXX XXXX purposely not tell the truth and denied the loan.
I had a leased vehicle from XXXX-XXXX and turned it in early because there were some miscommunications and I was put in a low mileage lease that was XXXX a year when I travel XXXX miles per day for work, There was a change made without my knowledge.
On XX/XX/XXXX I submitted a dispute to Equifax regarding some accounts on my credit report showing the incorrect balances. I am trying to obtain a mortgage loan. After speaking with a loan broker I was adviced to cancel the disputes that the loan broker will make sure all the account balances update accordingly. I called Equifax XX/XX/XXXX in which they adviced me to fax them a letter canceling my disputes. I faxed the letter on XX/XX/XXXX. OnXX/XX/XXXX I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.

I am missing : - XXXX XXXX  credit card -XXXX XXXX credit card -XXXX   credit card XXXX XXXX credit card -XXXX XXXX credit card -XXXX XXXX XXXX XXXX then the XXXX XXXX credit card is showing an old reporting age not the most recent one of last month.

These all were showing as of yesterday, they had been there since opened few years ago, all accounts are supposed to be open and in good standing.

I called Equifax and they can not help me. They have no response as to how my file got 99 % deleted.

I called all my creditors and they say they report to the bureaus monthly and can not explain how Equifax has done this. 

This is hurting me more than ever. I need my credit report to show.
NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}
Experian is being negligent in reporting incorrect information on my credit report when it was not legally verified, corrected or deleted. These accounts do not meet the requirements of the FCRA and they are required to delete them immediately. they have continued to send me letters merely stating the account was " verified '' I have asked for the method of verification although they refuse to send it to me. the other bureaus were not able to verify this item but yet Experian claims that they can which baffles me as to how they are allowed to continue to report unverifiable information on my credit report. 
XXXX XXXX XXXX XXXX is an unverifiable item and they have permitted this company to continue to report this delinquent account onto my credit file regardless of the laws set forth in the FCRA.
I had several accounts with Paypal, personal and for my business. I had been being paid by clients who gave me their Paypal Cash account number so that those funds could be deposited to my account, and thus to my bank. Paypal had limited my account stating this was prohibited. I was doing nothing illegal and I report on my taxes as I would any revenue received from a client. I wrote Paypal and they stated my account would be limited. I spoke to a rep from Paypal who after review, released all the funds but stated the account would be limited for 6 months. It has been 10 months now and I can not use ANY Paypal accounts. I can not use Ebay as a result of this and I see that a recent class action was settled regarding limitations, however I do not know the exact details. 
I wrote Paypal asking the status and received a response that the account is permanently restricted. I do not understand this after being informed I needed to wait 6 months. They had asked for copies of my ID, a utility bill etc. and I complied with everything. Now they end their letter stating I should use some other service, in effect telling me to go away. ( copy attached ). The XXXX accounts at Paypal I am referring to are emails : XXXXXXXXXXXX and XXXXXXXXXXXX They imply I am guilty of some " scheme '' and after speaking with them, supplying them with ALL the info they asked for, etc. and their refusal to engage in a honest and forthright way, certainly speaks to their unfair business practices and potentially to violations of the law. 
What can be done about this unfair treatment. I have clients who rely on Paypal to remit to me. It is impairing my ability to conduct legal commerce. 
Thank you.
i paid them on time. When ask them for prove of me being late they could not give me documents to prove it.
On   XXXX   XXXX  , 2017 a staff person at my place of employment handed me my paycheck as it could not be direct deposited for this payroll cycle. However, it is set up for direct deposit going forward. The other employee was in error and was supposed to give it to my Director to give to me on   XXXX   XXXX  . I was informed only today   XXXX   XXXX    of this error. I have a copy of an email that confirms this from my Director. However I deposited the check via Chase mobile on   XXXX   XXXX   after  XXXX  and received an approved message.A day later the deposit was reversed and my account incurred service charges. I now have been informed that the check is being held to   XXXX   XXXX  . It was dated   XXXX   XXXX  . I did not check the date of the payroll check because I have never received a paycheck I could not deposit right away. Chase mobile dud not catch it either. This incident occurred through no fault of my own. I would like all service charges reversed and funds released now. I also want all negative reports on my account and to any credit agencies,  XXXX , and   XXXX    relates to this incident removed immediately.
United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property.
The XXXX XXXX card being reported has multiple errors. An my dispute is not being investigated properly. The balance due is incorrect, late charges assessed are incorrect, and there are theft/fraudulent charges billed to the account. The debt was removed by XXXX XXXX and then re-added by XXXX XXXX without a thorough investigation. XXXX XXXX also illegally re-aged on my debt on my credit report to appear current. However the debt is aging more than 3 years and the dispute with XXXX XXXX was never resolved.
I opened a Citibank checking account on XX/XX/XXXX and deposited funds on XX/XX/XXXX. I opened the account because Citibank promised XXXX dollars would be credited to the account after XXXX days of making the deposit. The exact wording of the offer reads as follows " the cash bonus will be credited to your new checking account within XXXX calendar days from the date when you completed all offer requirements. '' Beginning XX/XX/XXXX, I have called Citibank multiple times. Each time, I have been told that all requirements have been met and that they are investigating the problem.
I have reached out to this company about their reporting, and given information on why this account is inaccurate. However, they continue to report and have not provided information about why this account is accurate.
I have a WalMart Credit Card that was suspended several years ago because WalMart refused to change the due day to the XXXX day of the month. I have been making {$50.00} per month payments on the XX/XX/XXXX of the month ( or by the XXXX day of the month ) and WalMart has charged a {$35.00} late fee each month, plus WalMart has charged a monthly " purchase fee '' each month, and the XXXX fees have effectively nullified my monthly payments. Today my current balance is more than it was back in XXXX 2013. I think WalMart is ripping me off, and I sent them an email letting them know that I was going to contact your agency, and that I will not make further payments until I receive a reply from you. I hope that you can help me because I have made payments sufficient to pay off my original balance. WalMart is ripping me off..! I think WalMart is guilty of some type of financial crime..!!! Please help me..!!!