WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, XXXX, and Equifax the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, XXXX, and Equifax is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
Re : XXXX XXXX store credit card account through Comenity Bank, interest-free promotional plans. 

On every Comenity Bank XXXX XXXX monthly statement are these instructions : " You must pay your promotional balance of $ XX in full by DD/MM/YYYY to avoid paying interest. '' If you follow those instructions provided by Comenity Bank XXXX XXXX on your monthly statement " to avoid paying interest '' and you have more than one promotional balance, you will definitely NOT pay off your balances in time to avoid paying interest. Those instructions are totally false and misleading. 

When you send in a payment on your Comenity Bank XXXX XXXX account, even if it is above or in addition to the minimum monthly payment due, they split every payment among any other promotional balances you have. 

For example, if my Comenity Bank XXXX XXXX statement says I have a promotional balance due today of {$100.00} and I send them {$100.00} today, I will NOT avoid paying interest on that promotional balance if I also have another promotional balance ; they will split that {$100.00} among any other promotional balances I have. 

If I want to pay off the {$100.00} on that promotional balance due today " to avoid paying interest, '' I must actually send Comenity Bank more than that. Comenity Bank does NOT explain this anywhere on the monthly statement. I would have NO way of knowing how much money I actually need to send today to pay off that {$100.00} balance. 

There is nothing on the monthly statement explaining this allocation of payments in general. Furthermore, if customers who have more than one promotional balance follow the instructions that are provided by Comenity Bank on their monthly statements, none of them will ever receive the promotional " offer. '' Comenity Bank is offering interest-free financing and appears to be providing misleading instructions which can actually ensure that customers will not benefit from it. Appalling.
I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded.
On XX/XX/2018, I open a new checking account with JP Morgan Chase Bank. In addition, I received a coupon for {$200.00} bonus ( tracking # XXXX ) if I receive a direct deposit of XXXX or more from one of the following within 60 days : a. ) Employer. 
b. ) Government Benefits. 
c. ) or Government. 

However, in this case I received a direct deposit in the amount of {$860.00} from the government on XX/XX/2018. Unfortunately, they claimed I was not eligible when the coupon I applied for indicates that I was eligible. Therefore, I filed a claim with the escalations team and they told me that it has to be reoccurring when the instructions clearly states a one time direct deposit of XXXX or more. In addition, I recently filed another claim with the Executive Team on XX/XX/2018 and was told that I will receive a call within 2 business day.  However, no one reached out to me to try to resolve my concerns, especially after I reached out multiple times.
After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.
THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY EQUIFAX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX  XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXXXXXX XXXX XXXXXXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX XXXXXXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.
I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.
XXXX XXXX sent my information to a Debt Collector claiming that I defaulted on a lease for {$1500.00}. On X/XX/17 I called both the debt collector and XXXX XXXX and got no response and no return phone call. I have never leased anything with XXXX. I have never even heard of this company until today. After doing some research I found that they do leasing for XXXX and XXXX, neither of which have I ever leased anything through. I decided I should file a complaint as it seems that I 'm not the first person to have this happen.
LoanCare, LLCCustomer AdvocateAttn: XXXX XXXXXXXX. XXXX XXXXXXXX XXXX, VA XXXXI am writing to request correction of the error described below in regard to the mortgage on my property. Your company failed to credit the payment of $XXXX I made on XX/XX/XXXX via the USPS and XXXX XXXX XXXX  XXXX Cashier’s Check # XXXX (enclosure 1). Per enclosure 2, XXXX XXXX paid off my loan in full $XXXX onXX/XX/XXXX. On or about XX/XX/XXXX, your company issued an escrow refund of $XXXX.  I contacted your Customer Advocate team on XX/XX/XXXX to address this issue. A ticket # XXXX was issued for my complaint. I contacted your Customer Advocate team again on XX/XX/XXXX and XX/XX/XXXX.  As of the date of this letter, my complaint has not been resolved to my satisfaction.
I have sent and faxed Transunion this about a XXXX account on my credit report : " This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by you in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
More specifically, under the provisions of FCRA 611 ( a ) ( 2 ) ( B ), you were required to have forwarded all relevant information I provided by you to the creditor for their investigation of my dispute. I request identification of any information that you choose not to forward to the creditor, and whether you used the automated XXXX process. Response to this request is required, under FCRA 611 ( a ) ( 7 ), within 15 days of this request. '' They have still not responded, so the law states this must be deleted.
I just called Wells Fargo bank customer service - this afternoon around XXXX PT - and spoke with " XXXX '' who declined to give me his last name, per the bank 's policy according to him. I conveyed to the latter that I 'm XXXX, and as a reasonable accommodation request, I want him/his entity/manager to investigate if somebody else/potentially one their employees has/have been illegally using my account 's private information to possibly open unauthorized account ( s ) using the aforementioned, and follow up with me via e-mail. XXXX declined and stated that it 's not their company 's policy to communicate with customers via e-mail. I reiterated that I 'm XXXX and I was requesting the latter because of my XXXX ; and that his blatant declination thereof was a violation of the ADA and the FEHA. He still declined to reasonably accommodate and stated that he would have his manager contact me via phone only in the future. The reason behind my call/investigation request to Wells Fargo was because of the recent news/lawsuit that was published on the XXXX.
I have disputed with XXXX, XXXX, Experian, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XX/XX/2016 and I do n't even have a credit card with them.
I went bankrupt in 2010. At that time XXXX with the holder of my second. I was informed XXXX went bankrupt and my second was charged off. This is documented on my credit report. Due to a divorce, I was required to refinance my house in my name. When I went to do so, I was told that Di Tech had a lien on my house and that they had " purchased '' my second. They refused to settle for lesser amount unless I completed their hardship paperwork. I completed and they refused to settle, stating there was equity in the home and that I would have to subordinate their lien. I had the mortgage company request subordination. They refused to sign, stating that I was over the 9 months in my divorce court order to refinance. Throughout the process, Di Tech has dragged their feet, stated they have not received paperwork, and refused to cooperate on this very questionable lien. Some of the ways they did this was giving me the wrong contact person and email, stating they did not receive paperwork ( I resent at least five times ), taking long periods of time for turn around in regards to response to requests. I started this process over six months ago with them. I was trying to get a XXXX refinance, which I understand they are required by law to accept.
Experian are willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Experian Has not Remove/ deleted the item.
Transunion has reinserted a previously deleted debt to my credit report without providing the required five days notice. National recovery agency was deleted from my file in XX/XX/XXXX and was reinserted without notIce on XXXX XXXX 2017. They are in direct violation of the FCRA
While reviewing my bank account on the morning XX/XX/2018, I notice that my account was placed on hold with a - {$6600.00}. I contacted the institution who informed me they received a letter of garnishment and they required by Texas State laws to get outside council and seek 125 % of the total debt, post debt, and up to {$1000.00} in attorneys fees but that it had not been referred to outside council yet. I immediately asked the representative why wasn't I informed of this by them and ask if I could seek council and for them not to do it because I can not afford to pay the additional charges related to this charge because I didn't open the account and needed to gather more information which i requested from them. The bank gave me the debt holders information which was XXXX XXXX who's represented by XXXX XXXX XXXX. I contacted XXXX XXXX who directed me to XXXX XXXX XXXX who would not speak to me but simply transferred me to a debt collector who I explained to that I believed that a family member who had previously used my information had opened and used the account as if they were me. I asked could we reach a settlement agreement the waved all of the late fees that have built up over a 10 year period which they refused. I pleaded with them to no avail speaking to multiple agents. I am only willing to settle this because I sure it was a family member who did this and I just want to clear my credit.
So I have, in the past inquired with Navient about a late fee that is always listed on my monthly statement as due, and has been for many years. The problem is, when I asked, I was told that " there 's nothing we can do because that late fee was assessed before consolidation. '' The problem I see there is that Navient is attempting ( through creative accounting ) to collect a late fee they are not entitled to. When the loans were purchased and consolidated, all amounts should have been consolidated. If a late fee was assessed by the prior loan holder, then how is it possible to just carry over and put it on top. If there are detailed records available dating prior to the consolidation, they would clearly show this questionable accounting. The payment due ( which is entirely a late fee ) is {$580.00}. My loans are currently in IBR with a payment of zero, but this total is apparently always due. I beg to differ.
i sent a claim on XX/XX/XXXX concerning mariner finance about my account from XXXX XXXX showing that is was 30 days late.my account has never been late and im asking them to correct the mistake that damaging my credit report. my usps delivery conformation is XXXX XXXX XXXX XXXX XXXX and i understand that they have 30 days to respond from the date that they sign for it to comply before its a violation of the law.
XXXX  's client  XXXX   XXXX  ; was notified  XXXX   XXXX  that his information was used to established a credit card wit h Chase, th e card had a balance of  XXXX  dollars on the account.  XXXX   XXXX  was contacted by t he Chase fraud  department once the account was established and was told at that time the account would not be reported to the credit bureaus. In  XXXX   XXXX  the fraudulent Chase account was found to be reported with all three credit bureaus and a dispute of ID theft was mailed certified mail return receipt to Chase and was signed for by "  XXXX  '' on  XXXX   XXXX   XXXX  ; this dispute included a POA, police report, demographic information and FTC fraud affidavit notarized. In  XXXX   XXXX  another credit report was ordered and once again the fraudulent Chase account was still showing this time with a late payment status ; a second dispute of ID theft was mail ; same as previous. This time the information was received  XXXX   XXXX   XXXX  and signed for by "  XXXX   XXXX  ''. No attempt to make contact with  XXXX   XXXX  was ever made by Chase concerning the reinvestigation of this fraudulent account either time disputes were sent. As of this morning  XXXX   XXXX   XXXX  this fraudulent account was sent to a collection agency . Chase  knowingly violated the FCRA and has violated the rights of my client by failing to properly reinvestigate a known fraudulent account and remove the information. In addition we attempted to conference call Chase about this issue and were advised " no information was on file concerning this dispute. '' We were told this AFTER I confirmed the return receipt showing Chase has the information for dispute.
Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. 

I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. 

RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. 

Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. 

Sincerely, XXXX XXXX
XXXX XXXX XXXX PULLED MY CREDIT WITHOUT APPROVAL DATED XXXX/XXXX/XXXX
My car was totalled in a XXXX in XXXX XX/XX/2014. Upon XXXX reviewing the loss, they contacted Wells Fargo Dealer Services ( WFDS ) to get the total estimate of my outstanding loan and they have sent WFDS a check for the same amount. This was all within the same billing period. After XXXX sent the check, WFDS came back saying that I was late in my payment and they are showing the same on my credit report. I have disputed this record and yet there was nothing done.
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.
The mortgage company is not applying payment correctly then assessing late fee to the account. Then I have to call and ask them to apply the payment correctly and told it will take 5 business days to do a simple transaction of re-allocating the fund.
This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.
I have inquiry 1 inquiry from XXXX reporting to my XXXX   report and i I have 2 inquiries from XXXX reporting to my Equifax and 1 inquiry from XXXX XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.