WillisBack/dataset-financial-user-claim huggingface dataset:
According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source XXXX creditor/s XXXX and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.
Received statement in the mail about collection, I called asking for validation and was dealing with a very rude collection agent who then got her supervisor XXXX on the line! I asked XXXX for wet signature of the contract for which they are collection on, I asked for a company letterhead to include employee and managers name, the amount this collection company paid for this account and a copy of the companies XXXX and ein number. XXXX stated she would have to contact the original creditor for thisinformation so I wonder how are they reporting this debt without any information but the amount! XXXX aso stated she did not have to provide me with any XXXX or ein unless a 3rd party was making a payment, which I do n't understand! because they requesting payment from me and want all my information to makeup this debt! yet I do n't know who these people are! bottom line I is not my debt and they have not given me anything proving its mine yet they report it to XXXX XXXX XXXX! this is very illegal ... stop reporting or send me all documents I asked u for!
This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCR

A 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information.

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and XXXX 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3. You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on Transunion 7. Actual Payment Amount is {$0.00} on Transunion and XXXX 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on Transunion, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.
Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.
BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.
I have sent certified mail four times to Experian ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Experian dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Experian since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.
I am requesting the recordings Capital One holds of ALL conversations that took place between XX/XX/2016 to present. I 'm aware that all Capital One calls are recorded as stated by the Capital One employees, and I 'm requesting said calls due to the failed investigation and fraud that has taken place with Capital One. Please reference complaint submission, [ Case number : XXXX ]
I 've asked to be release from a verbal service I made with XXXX for XXXX a month due to the fact I have not received the service I was promised by a XXXX representative. I asked my credit card company to no longer accept the charges, I protested the charges, sent documentation showing I had asked the charges stopped and they continue to charge my account. In fact they raised my ability to charge more so they could accept the realtor.com charges. I feel my credit card company is continuing to charge my account so they can continue to charge me high interest rates. I want these charges stopped and credited back to my account. I 've been an on time client with this company, XXXX credit card service and instead of working with me they 're working for XXXX. Please help me. I ca n't afford a service that 's not being offered. I can send all the documentation if you have a way to upload it. Sincerely, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is appearing on my XXXX, Transunion and XXXX credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and XXXX  XXXX
Western Union claimed my friend would get the money in minutes. I did the entire process correctly and even called to verify everything and speed u the process. The lady on the line told me everything was set and the money was available for pick up. My friend waited hours then was told it was still on hold. I had tried to cancel my transaction XXXX just to be told my money would n't refund to me for 3-5 days even though it never even went anywhere to begin with! This was my first time ever using this service and my last!
spoke to lender - Assigned rep is : XXXX XXXX - rep stated the docs were not provided until XX/XX/XXXX - I advised the fax was sent on XX/XX/XXXX - she went over docs and all have been provided that are needed for the review - she stated that she can not guarantee the sale will be PP for the review since they did not get the docs 7 days prior to sale - I advised the rep that they had the docs, it is not our fault they did not process them and assign the file in a timely manor - docs for review were receive 7 days prior to sale and the lender is in violation of XXXX XXXX.
XXXX XXXX failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for Virginia GAS from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XXXX to XXXX and now in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. XXXX  and Transunion will not let me report this fraud or activate a freeze without buying a product.
In late XX/XX/XXXXor early XX/XX/XXXX, I opened a visa credit card with Wells Fargo bank with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXXI was notified by XXXX that they had purchased by debt from Wells Fargo and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by XXXX. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of XXXX. Last week, my bank account at XXXX was levied and XXXX will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with XXXX had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.
After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify all items.This debt collector did n't have any of information correct and you are reporting the same incorrect info, dates etc .... according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
I was a victim of identity theft and noticed a collection from RECEIVABLE MANAGEMENT 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 RECEIVABLE MANAGEMENT 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
On XXXX XXXX I sent a letter to XXXX XXXX XXXX   Experian, XXXX  and XXXX Disputing a debt in the amount of XXXX. All letters were sent Certified return receipt. As of this writing, I have not received one letter from XXXX. ( 5 ) months. I called multiple times and was transferred to ( 3 ) Collection agencies that could not find my account. I strongly maintain that I do not owe XXXX XXXX XXXX XXXX dollars. 

Letter 1 XX/XX/2018 Letter 2 XX/XX/2018 Letter 3 XX/XX/2018 Letter 4 XX/XX/2018 Letter 5XX/XX/2018
I have recently sent in a request to XXXX to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by XXXX  which is incorrect. 

Moreover, Transunion has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.
XX/XX/XXXX -XX/XX/XXXX I have been harassed by this debt agency separate and same under two names : in XX/XX/XXXX in had a medical procedure. My insurance paid per plan agreement providers. Four unknown medical professionals also were paid ( unknown because they all were employees of medical facility not my care professionals before or after that date ). Subsequently we went to court XX/XX/XXXX: judge ruled to reset and determine a new dollar amount he did not accept theirs. For months I called they refused to talk with me : in XX/XX/XXXX the went to court and presented same documents I had disputed and got judgement : I received copy of order in mail and called and was told I was served and came to court and lost! A lie I did n't receive a notice nor was I in court. Somebody was apparently but not me : the notice of service was not made it was a lie : note the original notice of service was fraud ( says served on adult male in  twenties nobody like that or age was in/at my home ). Since this agency had returned to court three times doubling judgment fees and a lien on my home : I asked for legal advise and was told this is elder abuse at least. This agency has already been compensated by the original medical facility.
Attached please find the XXXX report which confirms XXXX of the XXXX tows that occurred with this vehicle, XXXX XXXX XXXX door XXXX VIN XXXX which not only needed to be towed on it 's last day with me to the dealership ( it apparently needed a new transmission and could not be driven - buyer beware ) but over the course of my lease ( please see my documented tow history via XXXX ) this vehicle was towed XXXX additional times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I paid out of pocket for these additional tows because I did n't have 5 hours to wait for XXXX XXXX assistance which is exactly what took place on XXXX XXXX, XXXX when the car was towed and returned. This car is a LEMON by law and XXXX needs to withdraw a collection agency report for {$700.00}. The entire life of my lease should be returned.
contacted : XXXX and XXXX on XXXX still have on credit report for XX/XX/XXXX - i am tired of each month going through phone calls and mailings to having this same XXXX having as many as four each month of hard inquires, I have checked and they insist I have gone to different states and applied in person ( even XXXX  ) I am XXXX years old and home bound. How can I stop this. 

XXXX  : again each month phone calls are made and disputes made for XXXX XXXX  XXXX, XXXX ~ three or four times a month, now still in report, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX ~ once  again they take it off, but I have to do this every few months. XXXX XXXX said there is nothing they can do. Really, yes they get a red flag, but still can and do put it on report. 

Cavalry phone XXXX has billed me for XXXX, and another for XXXX XX/XX/XXXX I asked for back up. I did receive paperwork, with no signature, address listed as XXXX XXXX, XXXX, md the US postal service does not have any idea where this is. I live in XXXX. I have reached a point that they are harassing me with no reason. 

Note : I have never had a XXXX, XXXX or XXXX XXXX account in my life.
I signed up for a Citigold account with Citibank with a promotional offer of XXXX AAdvantage miles after meeting certain requirements. I met these requirements more than 6 months and the promotional miles still have not been credited. 

I have contacted Citibank for about 6 or 7 times by now about this issue, and every time I 'm either told the case is under investigation or that they 'll file a new case. Their claim is that i 'm not eligible for this offer, even though I have numerous e-mail communication ( see attached ) from Citibank stating that i 'm eligible offer, that I 've completed all the requirements and will be receiving the miles soon.
I made 2 payments to my mortgage servicer along with a letter explaining exactly where I wanted to have the money and they did not place it in the requested accounts. Either time. I thought that they had to comply with my requests. It was in writing and sent certified. The second payment was made as requested by them, and also went into " unapplied funds '' therefor making my mortgage look like it is delinquent. I am trying to apply for grants to help me fix up my house and my mortgage must be up to date!!! They are preventing me from doing this!!! I am enclosing all documents I am referring to. This is not the first time they have made my mortgage LOOK like it isnt paid up to date. Can you help me?????
In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, Enhanced and now XXXX. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and Enhanced have apparently abandon their attempts. The most recent attempt was made by XXXX. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.
Equifax mishandled my information, which puts me and 143 million other people at risk. I am potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to Equifax, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!