WillisBack/dataset-financial-user-claim huggingface dataset:
I have sent in several disputes and FTC Reports to XXXX, XXXX AND EXPERIAN. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Over the last several years, I have been getting repeated phone calls from Ally Financial regarding debt owed by a person with the same last name as me, and whose wife has the same first name as mine. On each call, I have explained that I am not the debt holder and asked Ally Financial to stop calling me. I have been unsuccessful in getting them to stop. The most recent occurance took place XX/XX/XXXX 2015, when they called and hung up. I called them back to learn it was the collection service. I asked to speak to a manager at that time and explained the situation. She assured me it would stop. I recieved another call less then 24 hours later on XXXX XXXX, 2015. Again, the caller hung up when I answered. I called back and spoke to the same manager again, who again assured me it would not happen again. When I inquired as to how they even got my number, she explained that they have a " tool '' that they use to find possible relatives to debt holders. I explained to her that I have repeatedly told them that I do not know the debt holder in any way and should not be linked to them. As I result of their actions, we have had to take out identity theft insurance for the last several years, and have had some complications with my wife 's credit report.
On XXXX/XXXX/16, I received documents from US Bank dated XXXX/XXXX/16 stating I was approved for a deed in lieu if I complete the agreement. On XXXX XXXX, 2016, my security alarm was sounded due someone broke into my home. The XXXX locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to XXXX back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, XXXX XXXX was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. When I contacted US Bank I was told they did n't do it & my account was referred to a third party, XXXX. US Bank contacted XXXX and they stated they did n't do it either ( an invoice attached ). I also contacted the XXXX & XXXX law firm since I received papers regarding the deed in lieu that went with the other papers. They also said they did n't do this either. No one is taking accountability for this. The US Bank rep stated in their database I had to vacate the premises by XXXX/XXXX/16. I have not received any official documents stating when to vacate the premises. My last payment arrangement is due XXXX/XXXX/16. I informed the rep did n't you see my 1st payment & that I am in an arrangement so this could n't make since. I had to replace my locks and my security alarm had to get serviced since they damaged the sensor on the front door. I have attached my certified payment receipts received by the banks, my last payment made to the bank which should be received to them on XXXX/XXXX/16 per the postal service, pictures, letters from the bank with details, etc. My privacy has been violated and feel humiliated. I have had sleepness nights. I 'm very concerned that they will break into my home again and evict my belongings. I am very upset by all of this.
This is a follow-up to an ongoing Claim # XXXX which you indicate JPM is the process of reviewing. I have had a chance to review the documentation the notary, who came to my house to do the closing on the refi back in 2011, left with me. In this packet you will see : ( 1 ) copy of one of the letters from Chase responding to one of my claims, indicating that they had sent me a marketing offer for a super streamline HARP - As stated before this is incorrect. I did n't respond to any marketing offer. I enquired about getting a lower interest rate on my existing loan based on what the market was offering and being that Chase had my loan.
( 2 ) Copy of JPM Chase Commitment letter clearly indicating type of mortgage as : Conventional Fixed.
( 3 ) Copy of Notice of Right to Cancel clearly indicating type : Conventional ( 4 ) Copy of Uniform Residential Loan application clearly indicating type of mortgage as Conventional ( 5 ) Copy of Settlement HUD-1 clearly indicating loan type : Conventional uninsured ( 6 ) Copy of Truth and Lending Disclosure Statement Final copy indicating nothing about loan being a HARP. It is the Lock-in-Agreement the only document that refers to loan type as Conventional HARP. As stated before, based on the criteria required for a HARP loan, it does n't look like my loan qualified for such program as it did n't provide me with any added benefit but rather increased the overall loan amount by approximately $ 50k. Extended a higher rate than the current market rates while increasing my loan term by 13 years. The attachments clearly indicate that I was intentionally mislead. Chase never told me about the HARP program nor disclosed any advantages or disadvantages of converting into a different type of program. However, as the documents show, only the conventional program was being offered.
Regardless of the type of loan Chase granted me though, my request was to reduce my debt by refinancing at a lower rate which at the time was being offered, by different financial institutions including Chase, at below 4 % but Chase I only qualified for 5 %.
In XX/XX/XXXX, I closed all of my accounts with Capital One 360 after it acquired ING Direct. Today, XX/XX/XXXX, I got a letter from Capital One telling me to log in and verify my account to continue to receive emails. This surprised me since I had closed all of my accounts. I called Capital One and spent an hour trying to find out what was going on until I finally got a supervisor who closed the account. However, when I asked to receive a written confirmation ( or email ) confirming the account closure Capital One refused to do so. I still have no confirmation that this account is closed, even though I have now closed it two different times. Apparently asking Capital One to confirm something is beyond their ability to provide, which is disappointing.
USAA - Master Card, several years ago CHANGED from a XXXX to a MASTERCARD. I never used it ( MASTERCARD ) and never wanted it. NOW, years later, their collections department is trying to collect a membership fee of {$45.00} by calling me once a day. 

I have explained this to many of the folks that call. BUT they keep calling.
I received an adverse action notice from Synchrony Bank, dated  XXXX / XXXX / 2017 , in which they concluded there is a BANKRUPTCY PROCEEDING, CREDIT COUNCELING OR CREDITOR SETTLEMENT on my credit report based on an inquiry to   XXXX   by Synchrony Bank on  XXXX / XXXX / 2017 , resulting in the denial of a Walmart credit card with Synchrony Bank. This has resulted in an unwarranted financial hardship. I was prepared to take full advantage of the offer Synchrony Bank was currently running.   XXXX  There is no bankruptcy in my credit record, I have not received any credit counselling and have not been involved in any creditor settlement in any period which would be reported in my credit file. TransUnion staff verified this in a phone conversation on  XXXX / XXXX / 2017 . I also my TransUnion credit report on  XXXX / XXXX / 2017  and verified this myself.
This account has been disputed for more than 2 months and has not been deleted. by law company has 30 days to answer a dispute and they have not. 

Item : I dispute XXXX XXXX XXXX - XXXX - this account is paid in full. Not Charge off. I have disputed and the company has taken more than 30 days to verify, please delete.
XX/XX/XXXX : I signed up for CLEARCONNECT CHECKING account under terms of {$200.00} new account bonus. Offer expired on XX/XX/XXXX. 

XX/XX/XXXX : I signed up again for CLEARCONNECT CHECKING account under the same offer after BBVA informed me via email that " We Messed Up! '' opening the prior application. BBVA confirmed back via email that my second application was processing. 

XX/XX/XXXX : BBVA sends me welcome email to my new account. 

XX/XX/XXXX : I met the final term of the offer by having my employer direct deposit my paycheck with a requisite amount within the 60 day stated time period to qualify for the offer. The other terms were met like new customer, one per household, account type, and opened online. 

XX/XX/XXXX : The offer terms state {$200.00} should have been deposited by this day which was 60 days after XX/XX/XXXX. The promised bonus deposit was not made. 

XX/XX/XXXX : I sent an online secure message asking about the missing {$200.00} bonus. 

XX/XX/XXXX : After not hearing anything from the secure message, I called customer service. After being told I do not qualify due to my state of residence and due to opening the account online despite the terms and conditions saying otherwise, a gentleman ( manager escalation ) opened a ticket to resolve the issue 'within 5 business days '. 

~XX/XX/XXXX : 'Mark ' replied to my online message saying another ticket was opened regarding the matter and that should be resolved in 24-48 hours. This reply is backdated within BBVA 's messaging system to XX/XX/XXXX. 

XX/XX/XXXX : After BBVA failed to meet both deadlines from my two open tickets, I called back customer service. The representative states I did not qualify for the offer because BBVA did not open my account until XX/XX/XXXX. I stated there was no possible way for anybody to sign up under the offer if BBVA took 2 weeks to open the applications and they used the date BBVA opened the account rather than the customer. This representative further tells me she can not assist because the group that handles this type of issue is closed for the day and I would need to call back. She claimed to be opening a ticket but no ticket number was provided. 

XX/XX/XXXX : I submitted this complaint to CFPB.
I have close a life insurance which was taken our of my account automatically. I called the company and they say it willi be cancell. Then I did n't have funding for it. I called bank of the west XXXX number and they tell me they ca n't do anything about it so i have to call bank of the west here on XXXX. So I called and the Lady and we and says she will take care of it and my account will be close. I refuse to pay a life insurance of {$6.00} and bank of the west keep on charging me everyday that I have no money to pay. I dont feel its right to treat poor people like that.
I have disputed the late payments on this XXXX XXXX XXXX  account for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a bill for either XXXX and I have XXXX and XXXX he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have XXXX and XXXX. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On EQUIFAX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXX  XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX  XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXXXXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On XXXX : 1-XXXX/AXXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX  on XX/XX/XXXX 6-XXXX XXXX XXXX  on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
i noticed on my credit report XXXX XXXX account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off equifax doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Continued lying and deception by Chase Bank. This has been going on for 3 years. We asked them to stop flooding our business mail box with their junk mail, complained repeatedly to the BBB, The Texas Attorney General and the CFPB. Each of these has been ignored or they send out a form letter saying they will cease and desist. In XX/XX/XXXX they lied saying it takes 90 days. It is now XX/XX/XXXX and we are still receiving their junk.The mail is addressed as : XXXX, IL XXXX
This debt originated as a XXXX XXXX credit card in XXXX and was discharged by a XXXX XXXX attorney in XXXX XXXX via XXXX XXXX Court ( Civil Division ). XXXX, a Portfolio Recovery Associates represented, called me this morning ( XXXX XXXX, XXXX ) and responded to the statement above by saying " this account was reopened by PRA in XXXX XXXX therefore I am still liable for an unpaid balance of {$1100.00}. ''
XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company fraud department to dispute accounts and was told that accounts were mine. I requested validations for the accounts and still have not received validation. The accounts are still being reported negatively on my credit reports.
Admin Recovery called my husband 3 times back to back each day for the past week, called XXXX of my kids 4 times every day from spoofed numbers leaving voicemail stating the call was for me and I could go to jail over this debt, and they call me a minimum of 3 times every day and have since XX/XX/2013! They threaten me, they 've called my mother in law and given her all the details of my debt. They have yet to send any mail since XX/XX/2013. I have asked them to stop calling my job and they still do and tell coworkers what it 's about. I am at a loss. I do n't have the money to pay them. The new Healthcare crisis makes my monthly premium over half my salary. I 'm not making ends meet now.
On XX/XX/2016 received a demand letter for a delinquent account that I never had.
Rented an apt from landlord for 5 years and on XXXX of 2011, the complex had a fire, set by an XXXX who fell asleep while cooking something that morning. After talking to the landlord, I informed him of moving. It was a total inconvenience, and I was n't safe living there. There was no power, electricity, water, or heat. He said if I break the lease, I 'll get jail time and sued. It was thrown out of court, and the landlord agreed to remove from my credit. It never happened, it 's still on my credit today!
I am surprised to see a late payment reporting in XX/XX/2017 from Toyota as far as i'm concerned all my payments have been made on time. I have made requests from toyota to show me when they received the payment which would have caused this late to occur I have yet to receive a response.
I requested a debt validation to XXXX XXXX XXXX and they only send me a debt verification onXX/XX/XXXX certified mail with the confirmation number XXXX and a return to sender that was received onXX/XX/XXXX by XXXX I received the verification letter onXX/XX/XXXX on the mail.

On XX/XX/XXXX I resend them a letter that stated to send me a validation of the debt, the letter was send via certified mail with the confirmation number XXXX they received onXX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX never respond to my certified letter
First thing first they have a account on my credit report twice for the same amount and then telling me that it is valid without validating the debt. The company has been permanently closed and no longer in business and they are trying to collect a bogus debt. Rent Recovery for the amount of XXXX is listed on my XXXX account twice and they are telling me that it is legal. I contacted an attorney yesterday and if it is not corrected and fixed I am going to sue to the fullest extent of the law. I will not stop until it is corrected and fixed. I will be contacting the attorney general and the federal trade commission this has caused me so much stress and they fail to address it or correct it. How is reporting something twice for the same amount legal when I do no owe anything. I want it investigated and deleted this is not the law.
XXXX XXXX XXXX does not have proper communication skills with their entire company. 
I was recently involved with a payment arrangement with them. After having the arrangement set up and making payments on the account I received court documents to comply with the company. I called and talked with someone about this and was told that it wouldnt be happening again. 
Not even two weeks later there are court papers that were tapped to my front door. These were not even served to me or anyone. These were placed on my home door. Along with that was my credit card statement and other personal information attached. This is extremely unprofessional and not acceptable.