WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted this company on several different occassions. This debt was already resolved. The car was sold at the auction and there was no remaining balance. I contacted  XXXX  to retrieve the pay out documentation and they told me they no longer handled the account. I then requested that  XXXX  furnish me with the documenation however, they refuse to. I reside in the state of Maryland and anytime a vehicle is repossessed and resold documentation is of the date of sale, location of sale, and amount of sale must be provided to me. Previously this information was sent and it had a balance of {$0.00} however now this account is in collection. The credit bureaus have updated this account as verified but no information or documentation to validate this account was provided to me.
on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). 

This was not supposed to be reported like this and this adversely affected my credit score. 

I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. 

XXXX  refuses to correct this error. 

I have also filed a dispute with XXXX. 

XXXX XXXX XXXX
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages  that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that   you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two written requests is also evidence of your willful disregard of Federal Law. When  we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can no t be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an  updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   XXXX   XXXX   XXXX  Account Number :  XXXX
I have been paying to settle this account, listed on my credit report the total owed is {$1000.00} however when i call to settle in full i i was informed that the amount listed on my credit report was incorrect and my total was {$1500.00}. i tried to explain to the agent on the phone and was told i should just pay the {$1500.00} as it is listed as accord interest in her system
XXXX was ghost frauded out of my account somewhere around XXXX thru XXXX of 2017. therefore making my house payment be sent back for insufficient funds. XXXX XXXX isn't working with me to resovle this matter, all there looking at is the ATM withdraws not the POS.
XXXX reported an credit inquiry from XX/XX/2016. That is false and should be removed from my credit reports.
hi, scott, parnell & associates has threaten to sent an undisclosed agent harassing me at all time of day and night. the bill was closed
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, Transunion and XXXX is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.
In XXXX XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and Equifax should have removed the settlement from my report as of XXXX XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XXXX/XXXX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but Equifax is not removing it. Every time Equifax contacts XXXX, XXXX tells Equifax that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and Equifax. This is also happening with XXXX 's XXXX ( credit card now through XXXX XXXX was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XXXX XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and Exquifax with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my Equifax credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
I pulled my  XXXX  Credit Report today,  XXXX   XXXX ,  2017  and there are  XXXX  collections on it just reported in  XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify.     I have highlighted the  XXXX  collections that appeared on my bureau from snapshots I took from the  XXXX  website noting the reported date as  XXXX ,  2017 .
On XX/XX/2019 the vehicle, a XXXX XXXX, was repossessed by a towing company, XXXX XXXX, out of a hotel parking lot in XXXX Texas. The loan was in charge off status and the company who ordered the repossesion was Ally Financial located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. On XX/XX/2019 I was emailed a demand for payment of the loan in full for the amount of {$21000.00}. That Monday XX/XX/2019 a wire tranfer was made to Ally Financial in that same amout from a XXXX XXXX bank to pay off the loan in full XXXX XXXX Reference # XXXX. I was on the phone to the Ally call center that same day and the next to verify that they received the full payment amount and asked for a receipt of payment as documentation through email which they were unable to supply even though, verbally, they represented the loan had been paid. I also asked for a release from or for the towing company, XXXX XXXX  so I could retreive my car. I was told the release would be at the Towing company and then in the next convesation told that they had canceled the release. I also tired to make arrangements with the Towing company XXXX XXXX in XXXX texas to retrieve any personal items from the car and was told they were closed and to call back the next day. This happened several times and i was never able to access my personal items. Now without any docementation that shows that this account has been paid in full and a release for the vehicle, my car is being transferred to an auction house at XXXX XXXX XXXX  in XXXX XXXX Texas. There has been many mistakes in this process and there could be another agregious mistake if this car is accidentally sold after being paid in full. I am not sure if Ally and XXXX XXXX are deceitful or just incompetant or both however i am alarmed at this process and hope you can help me to resolve this matter.
Synchrony bank starts calling about 1 & 1/2 weeks before payment is due from XXXX until XXXX XXXX or XXXX times a day I have ask them not call they have been getting paid so stop harassing me they use automated/robo calls that messages on my answering machine they send e-mails and they use live persons even though I pay they just keep calling every month all day every day until they receive the payment this has been going 4 or 5 months I have repeatedly asked them to stop to no avail
On XXXX XXXX, 2016 the XXXX auto payment in the amount of {$540.00} due Capital One Auto Finance was deducted from my checking account. The following day- XXXX XXXX, 2016 Capital One again deducted {$540.00} from my checking account. 
For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. 
Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that XXXX XXXX XXXX requires customers to contact the merchant before filing a claim. 
Capital One is refusing to reverse the 2nd payment. They are insisting that if they reverse the XXXX XXXX payment, my XXXX payment will be due on XXXX XXXX. 
They took out my XXXX payment on XXXX XXXX. How many payments do they need for the month of XXXX?
Inaccurate hard inquiries customer service would not take care of the negative inquiries reporting to my credit report. Company - Trans Union XXXX XXXX XXXXXX/XX/2018. XXXX   XXXX XXXX - XX/XX/2018. XXXX XXXX  - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018. XXXX XXXX XXXX - XX/XX/2018
On XXXX XX/XX/2008, I entered an agreement with BMW Financial to lease a BMW XXXX series for a term of 3 years. My payments were roughly $ XXXX/month with a down payment of {$2500.00}. In XXXX of XX/XX/XXXX, I was laid off from my employer, and realized that the monthly payments were too high and decided to return the lease. I had XXXX potential sellers for the car in which BMW was unwilling to handle the sale of the car. I returned the lease to BMW in which the car was sold at the auction for {$24000.00} with a deficiency balance of {$8500.00}. To this day, I still do n't understand the point of BMW declining the sale of the lease car in which I provided potential sellers and selling the vehicle at the auction. It 's a win win situation for BMW, because they were able to capitalize off a consumer like me. Now that I am trying to buy my XXXX home, I have a derogatory account from BMW. The car was n't over mileage nor in any comestic damage when it was returned. BMW made it 's profit with the monthly payments and was able to sale the car without ease.
I have disputed XXXX accounts with Transunion for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Transunion has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud
I have applied for several loans for my XXXX sons ' college education. 
All of them - except one - had interest accrue only after them left college, and payments were to slated to begin until after that time. 
After my youngest son completed college, I expected to start repaying the loan from Navient, and upon receiving invoices I noticed that the total due was about {$5000.00} more than the actual loan of $ XXXX. 
It was only then that I noticed the paperwork was different from all the other loans I had secured. 
This does not seem correct, especially as I was unemployed when I had secured this loan. 
I wrote to Navient several months ago, and never received a reply and there is no record of my sending the message in my account file. 
I am wondering if this is the " alleged mistreatment of borrowers '' that your department is investigating within this company.
Dear CFPB, I have now complained about unauthorized hard inquiries through the CFPB and directly with Experian by mail and the entire issue has gone too far and I 'm getting ready to sue both Experian via class action and the companies who made the hard inquiries. As I indicated XXXX times before I only submitted applications this year that guaranteed a soft pull with the exception of a recent inquiry from XXXX XXXX. I have attached and circled in red the inquiries which were " never '' given any type of permissible purpose and clearly stated soft pull on the applications. According to the FCRA and language written on the front of the Experian report a soft pull is not shared with others. I as the consumer should not be harassed and treated like a ping pong ball with both Experian and the original initiator of the credit inquiry giving evasive answers and leaving me with the damage. They did not have any type of permissible purpose in this universe that allowed them to change a soft pull to a hard inquiry. I have been misled and dislike getting the same answer from Experian who prefers to defend the original inquiry because this means money for the company! I 'm tired of being pulled back and forth from both sides.
File an dispute with XXXX regarding Lobel financial XX/XX/XXXX. Checked the status of the dispute XX/XX/XXXX states account removed now my credit file is reflecting the acct back on my credit file after it was removed their reaging this account
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by XXXX XXXX XXXX XXXX
Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.
Over 7 months ago or close to a year ago I closed my account in Wellsfargo. My reasoning for closing my account was because I was charged unknowingly monthly fees for my account, my account activity was note documented in a timely manner which lead to negative balances and additional charges. I felt as if Wellsfargo does not value its customers. Since I bank with other banking institutes I can determine the difference in how a customer should be treatment and the difference in the produces they offer. They fees I was charged I do not receive from other banks. So, I felt no remorse when I decided to close my account with Wellsfago. 
In the meantime since I have closed my account ; I am still receiving bank statements as if it was never closed my account. I thought the bank statements I was receiving would eventually stop coming and I never thought anything of the statements until I recently heard of the Wellsfargo account scandal. Therefore, I want to know if I am a victim of the Wellsfargo account fraud?
I want to understand why credit reporting bureaus - Equifax, Transunion, Experian are allowed to charge me to place/remove hold on my credit? What law allowed them to initially collect credit information without my express consent?
Diversified consultant never notified me of the debt, I found out about the debt by pulling my credit report and I called to verify, they refused to verify or validate. I called and settled for   XXXX   from  XXXX  oringal amount from  XXXX  and I asked for confirmation from my payment I made with my credit card and to this day I ca n't get anything from them. Every time I call they always give me the run around and still reporting to  XXXX  as a debt and send a different balance every week Messing up my credit report. I have called over 15 times still nothing I have disputed with  XXXX  and they still saying verified and I still ca n't get this removed
On the XXXX XXXX 2016, while trying to get my report online, XXXX kept telling me " unable to complete your request '', I then tried XXXX and Experian and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at the XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the XXXX website. I was advised to file a police report and need the credit reports to do so.
In XX/XX/XXXX after hearing about the Public Service Loan Forgiveness program, I spoke with XXXX XXXX ( which is now Navient ) and requested that my student loans be consolidated and set up in order to qualify for the Public Service Loan Forgiveness program. It took multiple calls to XXXX XXXX and was a very frustrating process, often the XXXX XXXX representative that I would speak with was confused about the program and did not know how to proceed. After multiple calls I was told that my loans had now been consolidated and would meet the criteria for PSLF as long as I made 10 years of qualifying payments. 

In XX/XX/XXXX, after making 10 years of payments I have attempted to qualify for the PSLF only to be told that XXXX XXXX never consolidated my loans appropriately to meet the terms of the program.
Account was settled and closed with Harley Davidson financial services. XXXX associates is now contacting me saying that I owe them {$7100.00} Acc number XXXX My business with Harley Davidson was finished completely. No debt was owed. This company is impacting both my co-signer and Is credit score as well as there ability for a loan. It is not my debt to be paid. I need it removed as soon as possible. 

Thank you, XXXX XXXX XXXX XXXX
Due to the security breach at Equifax and the amount of accounts that they have admitted have been compromised, it is mathematically guaranteed that my credit report history has been stolen. I feel that Equifax did not properly secure important information pertaining to my financial well being and also did not attempt to contact me about the security breach despite obviously having all of my information. In an attempt to secure myself against identity theft which I am currently assuming will happen, I have requested my credit reports from each credit reporting company before placing a freeze on my credit. I have not been successful in getting any report from either of the three companies ( Equifax, XXXX  and XXXX ). None of these companies have taken steps to further secure my financial security but rather have tried to ply me with further services that cost an additional amount including trying to charge me to place a credit freeze on my account without a police report.