WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15  U.S.C.  1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611   (  a ) (  5 )  ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.     Under the FCRA  15 U.S.C.   1681 i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   Consumer  XXXX  Unverified Account  XXXX   XXXX   XXXX   No acct # reported Unverified Account-No Contract
A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them.
I have contacted both XXXX, XXXX and Equifax about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted Equifax they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both Equifax, XXXX and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, XXXX and Equifax my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
I signed up for a Citigold Checking account from Citi bank after receiving an offer for XXXX AAdvantage Miles if I opened a new account, paid XXXX bills with automated billpay, and spent {$1000.00} with the debit card. I opened the account on XXXX XXXX, XXXX. I satisfied all requirements XX/XX/XXXX and received a secure message via the citibank website on XXXX XXXX from XXXX XXXX stating the following : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. Please keep the promotion code on file for reference, and in case they do not post with the XX/XX/XXXX statement, please send us a message with the code so we may research it further. '' My points had not posted by XX/XX/XXXX so I sent them a secure message on XXXX XXXX to ask when my points would post. I first received a message back on XXXX XXXX saying Citi bank would look into the matter. I received another message on XXXX XXXX stating the following : " Unfortunately, you are not eligible for this XXXX miles promotion ( XXXX ). While Citi does offer XXXX miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' This directly contradicts the fact that I received the promotion code. I have screen-shots saved from my account sign-up process to prove it.
Ive noticed fraudulent inquiries Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX XXXX Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/2018
My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from Transunion and XXXX. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were FOURTEEN YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted XXXX and Transunion and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with Transunion and XXXX on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.
I had my verve credit card on automatic debit for {$50.00} per month, I had not used the card in approximately 4 months, when I went to use the card, the card declined. When I contacted verve customer service, I was told that I had late charges, return check fees and over the limit Fees. I asked them How is this possible since I am on automatic debit and have always had money in my bank account, additionally I never incurred any charges from my bank indicating that my account had insufficient funds nor overdraft protection fees. The customer service rep could not offer me a good explanation for this. I asked them to review the account and make the proper adjustments and she said that she could not do this. I told her that I would not be making anymore payments and I removed the card from automatic debit. They have placed my account with their collections department and continue to call at least 3 times per day.
I filed bankruptcy years ago, case number  XXXX  and   XXXX   XXXX    XXXX   XXXX  COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF   XXXX   XXXX    XXXX  MORTGAGE PASS THROUGH CERTIFICATES SERIES  XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred.   XXXX   XXXX    informed me that they have no interest in the property located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Il  XXXX  and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified  Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title
On XX/XX/2018 at an XXXX XXXX I bought a {$200.00} Mastercard gift card, issued by U.S. Bank.

On XX/XX/2018 I went online to register the card. I discovered it had been registered to someone else. In addition two purchases were not mine : XX/XX/2018 {$160.00} at XXXX XXXX XX/XX/2018{$4.00} for XXXX I called the customer service number on the back of my card. I was instructed to fax three pieces of information : 1. front and back of gift card 2. government ID 3. receipt of purchase OnXX/XX/2018 I faxed that information, accompanied by a cover letter.

I have received no response.

OnXX/XX/2018 I called again. I was told no live person can help me, and I must fax the information again.

I've read on online forums that fraud is prevalent with U.S. Bank-issued Mastercards. I've read that U.S. Bank will not respond to consumer complaints of fraud. I've read that a resolution is offered only through a CFPB complaint.
Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate said debt. I have never had a contract with Midland Funding, LLC and therefore do not owe this company a dime!
My mortgage company, ' Nationstar ' has not been applyingmy monthly payments! 
They changed the payment amount, but did not inform me! 
I have talked to at least XXXX people at Nationstar over the past 7+ weeks, Every time I talk to someone, the story & amount changes! 
I talked to a Rep on XX/XX/XXXX who said the amount was {$1300.00}, However Nationstar says that was the wrong amount!? 
They have put on my credit report that I am 60+ days Late! 
I have made ALL of my payments on Time & in FULL!! 
I have contacted an Attorney!! 
" NATIONSTAR MORTGAGE " is a CRIMINAL JOKE!!
Discover  Credit Card From  XXXX  until now, currently  XXXX   XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now.   Why would anyone pay ove r 50 $  a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for.     I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since  XXXX .     Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.
I had a merchant account with Wells Fargo. My account was closed and I was told the funds would have to sit in the account for six months before my money would be released. I waited six months and Wells Fargo is still holding my money, everytime I call they say I have to speak to someone name XXXX but he does n't return my calls.
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
On XX/XX/XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

XXXX responded XX/XX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XX/XX/XXXX on my credit report and XXXX told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XX/XX/XXXX. 

XXXX responded XX/XX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XX/XX/XXXXand XXXX has not responded. 

Equifax responded on XX/XX/XXXX and removed the accounts, and appeared on XX/XX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XX/XX/XXXX and was not showing any of the accounts due to fraud now as of XX/XX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XX/XX/XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
A charge of {$520.00} from " XXXX '' was entered on my USAA Credit Card on XX/XX/2016. I attempted contact with the merchant and was unsuccessful. [ The 'merchant ' is listed on the url as " XXXX '' with which I have no affiliation, nor have I ever purchased or donated to them. The phone number associated with the 'merchant ' is : XXXX. Reverse Lookup shows it belongs to one XXXX, IL XXXX. I do not know this person ... In the meantime, on XX/XX/2016 I contacted USAA to dispute the charge. Though the charge was reversed, at that time, it reappeared on my XXXX statement. I contacted USAA again to dispute and was told that their investigation was 'unable to determine why you believe the transaction is not valid ' [ This in a letter which I subsequently received dated XX/XX/2016! Attached ] I contacted USAA again to dispute the charge on XX/XX/2016. They, in turn, XXXX a replacement credit card and again gave me 'temporary credit ' for the charge.They also agreed to have someone from their fraud department contact me, within 48 hours, to further discuss the issue. The phone call never happened, but I did notice in checking my statement balance on XX/XX/2016, online, that they had reapplied a credit of {$520.00} to my account. That was the THIRD time ... To my dismay, anger actually, I checked my statement balance online again on XX/XX/2016 and found that the charge was again on my account. 
I have contacted USAA on numerous times in attempts to resolve this issue and frankly do n't know where to turn from this point as those contacts have proven fruitless!
As a victim of identity theft, I had no choice but to put on a credit freeze with all three agencies. Now when I need to refinance my home and put on a temporary lift of the freeze Equifax forces a {$10.00} fee for this. Why? What do they need this money for? It 's simply not fair. This is not a service they are providing me! This is protection of my identity so that I can function in commerce despite the awful system these credit reporting agencies perpetuate. I have no choice in this matter. Why must I pay {$10.00} to protect my credit and lift this freeze. This service should be free!! This is yet another unfair burden on the People.
I have contacted Lexis Nexis previously regarding information being reported on my CLUE report. Lexis Nexis has failed to take any action. Lexis Nexis reports that I was the driver of an accident that occurred XX/XX/2015. I was not driving the vehicle nor was I present when this accident occurred. Additionally, I have submitted documentation showing the driver of the accident was XXXX yet Lexis Nexis fails to remove the erroneous information from my report. 

Insurance companies are using the information reported by Lexis Nexis to rate my policies which is causing me a loss as my premiums are higher due to this inaccurate information.
I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful
I have been trying to work with Caliber Home Loans to save my home from foreclosure. 
I sent a complete modification package to Caliber fax numberXXXX. 
The Submission contained all requested documents along with the RMA. 
We have submitted at least 10 modification packages and each time we have had to start over.

The hardship that we had is over and we are employed and want to work with Caliber to save our home. Please help us stop this sale date for XX/XX/2018 and save our home. 
It sis not that we want to live in our home for free. We are responsible working people and want to save our home. If only we can come into a good working relationship with Caliber Home loans I know that we can bring our loan current and stay current on the payments. 
We are reaching out for help and support to get back on track with our mortgage. 
Thank You.
Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there  has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months. 

FTC has been filed as well to this account.
Invalid charge not refunded. Bank demanded credit slip. No credit slip was issued. No receipt was ever provided or signed. Citi refuses to refund.
I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.
a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service.
Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.
To Whom It May Concern : Portfolio Recovery, XXXX, continues to contact me subsequent to verbal and written cease and desist requests. I am filing this formal complaint. 

The above referenced third party debt collector seeks recovery of a ( purchased ) charge off non-secure debt older than 7 years. Despite the age of debt, I initially engaged in a negotiated paid in full agreement. Upon failed attempts to secure Portfolio 's written confirmation of the terms via phone, I discontinued further negotiations. A verbal request was logged to cease further contact as the duration of the debt exceeded the statutory term for collection activity. Was advised the requested was documented on the system of reference. 

Almost a year later, Portfolio continues to lodge outbound calls to my personal cell phone. When instructed of the previous verbal and written requests to cease contact, representatives acknowledge the logged request continuing with verification and payment inquiries. 

Portfolio 's actions is violative of FDCPA. among other promulgated third party debt collections prohibitions announced under CFPB guidance. 

For these above reference items, this compliant is hereby filed with the CFPB.
On XXXX XXXX, 2016, I went to my local Best Buy store to make a payment on my Best Buy Visa Gold account. I was advised at that time that my card had been closed out and they could not take a payment from me. I then contacted Best Buy by phone and paid off my account in the amount of {$300.00}, leaving a zero balance. 
On XXXX XXXX, 2016, I received an email from XXXX XXXX stating that my account was 30 ( thirty ) days past due. I then contacted Best Buy to attempt to straighten out my account and make sure this did not reflect badly on my credit. 
On Monday, XXXX XXXX, 2016, in response to my phone call, I received a letter from Best Buy Credit Service stating that they are unable to change the information reported to the credit agencies about my account.
XXXX XXXX XXXX a debt collector, filed a lawsuit against me in behalf of Wachovia, who was later bought by Wells Fargo. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
Navient pushed me to take forbearance on my loans. Navient aliso never reminded me when it 's time to re new my pay as you earn income plan.
I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX  : XXXX
There are wrong issues appeared on my report,  XXXX  ANISTEE JUSTICE COUR  XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX