WillisBack/dataset-financial-user-claim huggingface dataset:
THIS IS NOT A DISPUTE! THIS IS A REQUEST. 
I have attached proof of numerous inaccuracies being documented on Equifax credit report which is harming me and I am questioning the legality of Equifax making changes to old reports from XX/XX/XXXX and prior reports electronically. It makes the whole integrity of the reporting system by Equifax inaccurate and an unethical business practices. 
I am formally demandinging to remove the reinserted/inaccurately reported/unverified ( Method of Verification was not provided by Equifax or XXXX ( Have been requesting since XX/XX/XXXX ) as per my right and request under Section 611 ( a ) ( 7 ). 
XXXX and XXXX had investigated the below accounts and removed them XX/XX/XXXX and XX/XX/XXXX respectively. ( Both reported aged accounts for removal XXXX ) After loan officer informed me Collections back on Equifax I sent XXXX a letter on XX/XX/XXXX requesting deletion which they received on XX/XX/XXXX. I called XXXX on XXXX XXXX as well and I was told they could not connect me with that part of the office. I would need to wait for a review and written response. They just sent me settlement statements for debts I do not owe. 
I have listed the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe Credit Report I paid Equifax for on XX/XX/XXXX shows no collections reporting XXXX major bureaus. 
The Credit Report I paid XXXX for on XX/XX/XXXX ( same day ) shows XXXX XXXX just under Equifax. 

Due to the misinformation and inaccurate reporting provided by Equifax this matter has harmed my good name, caused me embarrassment, major confusion amongst all parties involved, excessive Hard Inquiries by XXXX ( loan officer ) which harms me and credit rating and will now stay on my report for XXXX years and has delayed me from closing on a home XXXX times in the past month. At this point I believe I lost the house I was suppose to close on and was rescheduled for today XXXX XXXX due to all the confusion of an inaccurate reporting system. 

I am respectfully demanding to immediately delete the accounts identified above entirely from Equifax credit report due to the misinformation being furnished, inaccurate reporting and discrepancies and send me a free updated credit report. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this matter is not settled ASAP.
Still reporting a debt after the time frame allowed by the fair credit act will not remove account affecting my credit
Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).
I was in the final stages of closing on my home- I was locked into a rate of 2.75 % and pre-approved by Wells Fargo XXXX About one week before closing they said we are in level two of approval and it seems you have too many outstanding student loans ( most likely may not be approved ). However, it was never an issue -as I was told because they were deferred for more than five years until I finished my PhD program. I pleaded and wrote a letter indicating my status as a single parent and so on I was told to seek financing else where one week before closing. I did - after paying more fees for a broker and other costs and a rate hike of 3.50 % after purchasing points- more $ $ $ - I closed on my home loan. Within less than a month Wells Fargo bought and owned my home loan. I am not sure what this is called but it was clearly unscrupulous. It felt very bad not only from the aspects of stress and dissatisfaction, the lack of any recourse as I was locked into WF and owed them even more- yet would not want to have my loan there. I asked many questions and asked why I was put through this to reach the same conclusion, yet paying several thousand dollar more in initial fees and thousands more dollars over the life of the loan. The branch manager told me they had just finished training to deal with those of us who were rejected and sent to another broker and then were returned back with WF. I said it must be a big problem if you are receiving this training she stated that many customers were caught- up in this and were very dissatisfied. I was amazed that this was allowed or possible in light of all of the fraud and distortion of home buying in the last 10 years- I believe WF was fraudulent in my pre-approval and rejection- where there was no grounds for denying my loan and repurchasing it to make more money over the life of the loan. My XXXX score was over XXXX and payment history is excellent- this was blatant and unethical as I experienced it. Nonetheless, it is finally apparent there was more to the WF business model than poor judgment and consumer mishandlings as being fleshed out in the latest reports. I am happy I finally get to express my disgust with the way I was handled in the mortgage process. They did give me a reward credit card to earn rewards money towards my purchases for my home at 26 % - talk about capitalistic and opportunistic business. As a single parent with no support I feel like it is next to impossible to create a better life for my child - when too much is never enough for those who squeeze you at every possible chance.
Loans with Navient for college, XXXX XXXX XXXX. I was pushed into these forbearances and deferments. I did not understand and it was not made clear high interest rates would still be accruing.
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XXXX XXXX- {$3500.00} Subsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX DeferredXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX Deferred XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- {$1200.00} Subsidized loan Placed in forbearanceXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXXXXXX XXXX -- {$4000.00} Unsubsidized loan Placed in forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Deferred XX/XX/XXXX
The repayment options offered by Navient that are for those who ca n't afford standard payments do not factor in all life expenses. I am married, both my wife and I have high student debt consolidated through Navient. We have XXXX children, XXXX in XXXX school, XXXX in day care. We both work full time, have a townhouse, XXXX cars for traveling to work and transporting the kids, and have multiple household expenses. When applying for different repayment options through Navient they sometimes cost more then the standard or close to it because Navient does not account for all the other expenses that we have as a family as well.
Ocwen continues to report to my credit bureau erroneously. In XXXX I purchased a condo on what I now know to be an XXXX purchase loan package. The condo foreclosed in XXXX XXXX. Under XXXX. XXXX XXXX, I am protected from anti-deficiency on purchase loan. After repeated efforts to clear this since XXXX, Ocwen continues to report it as owing and delinquent. Can you help?
Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!
Bank of America changed my mailing address on the account based on receipt of forwarding information from the Post Office. I did not submit a change of address to the post office and I did ntot relocate my Bankcard statement was mailed to another persons address. this is a violation of my financial privacy and XXXX. Bank of America should not be acting upon forwarding information to change addresses as it can compromise accounts, create identity theft and violates federal laws
Citizens Financial Group is improperly assessing fees for Regulation D. The letter of the law clearly states that this regulation governs transfers " made by the depositor and payable to third parties. '' Citizens has assessed me and presumably all other depositors a XXXX dollar fee for transfers made WITHIN THE BANK. Please prosecute them to the fullest extent of the law, and assure that the citizens of the XXXX are refunded these millions of dollars in illegal fees which have been levied by the bank. Feel free to contact me by phone or email if a copy of my statement is needed showing proof of their illegal activity.
Ocwen Loan Servicing used its cozy relationship w/ XXXX as a weapon to threaten me, that if I did n't sign the pretender lender loan servicers {$750000.00} loan modification they would proceed w/ fraudulent trustee sale and kiss my home goodbye. I signed the fraudulent {$750000.00} loan modification under duress w/ fear of Ocwen throwing my children in the streets. Ocwen is using fraudulent foreclosures. I own my home free and clear. Ocwen scums threatened me that if I do n't pay them over {$200000.00} more then the {$550000.00} Option One Mortgage loan that was paid off over 10 years ago they would instruct is cozy buddy XXXX to proceed with the fraudulent trustee sale. I signed the fraudulent loan modification with fear, XXXX continued to have a active trustee sale months after I signed the modification under duress, the harassment, threats and people banging on my door continued for months. Emails attached.
Entity describing itself as CONVERGENT OUTSOURCING : Daily -- and some days twice daily -- computer calls to my telephone leaving a message that I owe a debt and asking that I call. When I call, I am put on hold or given excuses -- THEY HAVE NEVER IDENTIFIED THE DEBT THAT THEY ARE TRYING TO COLLECT. To my knowledge, I owe no debt. My credit rating is superb and I have not received any type of written notice regarding any debt. I have been at my current address for more than 12 years -- thus, if any debt exists, a written notice should have arrived. None has.
I signed up for a new checking account offer - Deposit {$25.00} to open the account then set up direct deposits of $ XXXX/month for three months. After three months of funding according to those terms, {$200.00} will get deposited into the account.

In the third month, after the first {$750.00} direct deposit went in but before the next {$750.00} direct deposit that would qualify for the bonus went in they closed the account without notice or reason. I called a local branch and they directed me to the 800 number because they couldn't see any reason as to why the account was closed.

After speaking with the 800 number rep, they said the account was closed due to no activity. However, I had {$750.00} deposits twice a month and {$750.00} withdrawals twice a month. Why the hard close? Why not a soft notice of " you're approaching our zero activity closure policy, please use your account more before xx/xx/xxxx date ''? 

This puts me in a frustrating spot because my company 's payroll has already been processed and now the {$750.00} will reject deposit if the account isn't opened. Beyond that it's bad will - the terms and conditions of the deal itself, not full on checking account terms and conditions, mentioned nothing about minimum activity or balances within the account.
Dealing with Shellpoint Mortgage Servicing 1. Received first letter dated XX/XX/XXXX requesting proof of hazard protection coverage. This is covered by our Homeowners Assoc policy. 
I replied to them on XX/XX/XXXX attaching a copy of our insurance policy.

On XX/XX/XXXX they confirmed that they had received the document. 
2. Received second and final notice from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and threatening to take out insurance cover on our behalf. 
I replied on XX/XX/XXXX stating that I had already sent a copy of the insurance and please do not charge us for any insurance. 
On XX/XX/XXXX they replied and apologized for the confusion caused and said to ignore the letter of XX/XX/XXXX. They stated your insurance is updated and no further information is required. 
3. Received third letter from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and stating that they have placed lender insurance coverage on our property at a cost of {$2200.00} and that our monthly payments will be adjusted to cover this cost. 
I replied on XX/XX/XXXX to say that they must have made an error as we have already given them proof of the insurance and they have confirmed receipt of this, and that they MUST NOT charge us for insurance.
Receive a loan from Rise Credit online. Ran into further financial troubles and the bank account the payments were drafted from was closed by the bank. I have opened another account at a different bank and Rise has somehow found that information and continued to make unauthorized automatic withdrawals from this new back account causing overdrafts and new financial issues. I HAVE NOT provided Rise with this bank account information nor authorized them to perform automatic funds transfers from the account.
I want all information regarding a b/k over 9 yrs ago removed from my credit reports from all three reporting agency and to be advised when done!
This company XXXX XXXX XXXX Account # XXXX Is reporting inaccurate information on my credit report which I do not recognize. They are reporting that I owe {$490.00} from XX/XX/2018. 

Please reinvestigate this company from top to bottom or remove this negative item from my credit report as soon as possible. It has ruined my credit score.
Today, XX/XX/2018, I received a notice from XXXX  about a new collections account being posted. 

There were two collections accounts posted on XX/XX/2018. I have received no written or phone notifications from the debt collector that they held the debt, nor have I received any information regarding my rights to verify the debt. 

I have the actual debt from the creditor in my hand and it is a different amount than posted, also the dates do not match with the original, itemized bill. 

I HAVE been receiving calls from unknown numbers who either hang up or say nothing, I'm concerned this may be a scam or this company is intending to commit fraud against me. 

I have not taken any actions yet out of fear of retaliation from the debt collector.
The equifax security breach has affected me greatly. I have spent years trying to rebuild my credit only to have my score dropped by XXXX points due to this security breach. Im terrified that someone is using my information to ruin my good name and steal my money. I now have to go through countless measures in what seems like a hopeless effort to fix a problem that I did not create. I have notified equifax that I was affected in their security breach and I enrolled in their program but I have yet to hear anything back from them at all. Not even a confirmation letter letting me know that they got my request.
My father ( recently deceased ) had co-signed for private law loans and had been repaying them. Navient apparently bought the loans from XXXX XXXX. I contacted Navient and let them know I could not make the payment my dad was making but that I wanted to pay and not go in default. I said I could provide them with paperwork showing my recent bankruptcy, my snap aid for food, my pay stubs, evidence of my single parenthood, evidence of my federal aid being in economic hardship forbarence and anything else they might need to determine my eligibility for lower payments. They were of no help. They would not offer even gradually increasing payments over time. It seems like they just want me to default!
This issue relates to Citizens bank. 

I signed up for a new Platinum Checking account as part of a new promotion in XX/XX/2018. I was supposed to receive a {$400.00} payment once I created the account and deposited a single $ 1000+ direct deposit within 60 days of the account opening. 

I have talked to multiple bank personnel, through email, phone, and in branch, that confirmed that I signed up for the account during the promotional period, met the direct deposit requirements and that I was supposed to receive the bonus. There have been multiple 'investigations ' that have taken months to resolve. They are now saying that there was no 'promotional code ' attached to my account and that I would not be eligible for said bonus. In the meantime, Citizens Bank has been charging me service charges despite not fulfilling the terms of the agreement.

I do not trust this account for handling my money when Citizens Bank can not deliver upon this promised bonus
My credit report has been ok until Just Now with information from XXXX XXXX ( Charge-off ) I do not have any account with XXXX with a balance of {$4500.00}. XXXX XXXX XXXX XXXX ( NOT MY ADDRESS ) Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including 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 disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 5 days to avoid sue. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean Reports.
I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.
In XXXX 2015 I cancelled services under the terms of their contract with XXXX XXXX XXXX. I received a confirmation number XXXX XXXX.They continued to charge my credit card despite repeated complaints. I disputed the charges with BankAmericard for over a year every month. Eventually BankAmericard informed me I could send them the email I had from XXXX confirming the cancellation and they would no longer accept the charges. I sent that information in months ago and BankAmericard has still been accepting these fraudulent charges which continue to be submitted fraudulently by XXXX. I attempted to dispute these charges at my BankAmericard account online tonight and got a reply that I had no charges eligible for dispute, which is incorrect. I complied with every request from BankAmericard to supply the documentation they needed to stop accepting these charges to no avail. Tonight I cancelled this card as the only option left. I would like to be reimbursed for the XXXX charges I have not been recredited for yet. I would like XXXX to be prosecuted for fraud and BankAmericard to be held accountable for their role in facilitating this fraud.
I soon started to monitor my score and this account came to my attention. I have not used any of this medical services.
SOUTHWEST CREDIT SYSTEMS , L.P . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SOUTHWEST CREDIT SYSTEMS, L.P. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYSTEMS, L.P.any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Please remove all inaccurate information from my credit file.     The following hard inquiries are errors and/or unsolicited hard credit applications :  1.    XXXX   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  2.  XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   3.    XXXX    XXXX / XXXX / XXXX   4 .   XXXX   XXXX    XXXX / XXXX / XXXX   5.    XXXX     XXXX / XXXX / XXXX  The following accounts should be deleted immediately from my credit file as they do not meet FCRA reporting requirements :  1 .  XXXX    XXXX     XXXX   2.    XXXX   XXXX   XXXX   XXXX   3 .  XXXX    XXXX     XXXX  4.    XXXX     XXXX