WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed the following erroneous information with this bureau directly. The majority of this erroneous information is because obviously my credit report has been merged with another XXXX XXXX and now my accounts are marked bankruptcy. 
1. XXXX XXXX XXXX - this account went delinquent for the first time in XXXX. The other credit bureaus have removed this however Experian continues to report the information. I have asked for a full payment history from the creditor and from Experian. Neither has sent me the same so how are we " verifying '' that this is accurate as reported. 
2. XXXX XXXX XXXX XXXX - This collections company purchased this account second hand from XXXX XXXX. They are claiming that the account was included in a Chapter XXXX bankruptcy in XXXX of XXXX. However this appointment with XXXX XXXX did NOT occur until XXXX of XXXX. Please request the original receipts or instruments bearing date of service. 
3. XXXX XXXX Bank - Acct. XXXX - this again is erroneous information that Experian claims to have verified. It literally says " debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - HOW IS A DEBT INCLUDED A BANKRUPTCY that does n't exist. There is no bankruptcy in XXXX XXXX. And this account was n't included in a bankruptcy. 
4. XXXX accounts from XXXX XXXX XXXX. Same issue. These accounts are being reported as included in bankruptcy when I was NOT liable for these accounts, the insurance carrier was. I have also disputed these accounts and Experian continues to insist they have verified them. I am requesting copies of the instruments or any documents relative to the same. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX You can clearly see the inconsistencies in all of this information. And This refusal by Experian to adequately verify information is causing personal injury to me and my family. I have multiple times requested the documentation from Experian Credit Bureau and they refuse to respond. Please send the relative contracts or receipts bearing my signature.
My complaint is only sending through some sort of regulatory agency in nature to ensure a substancial record is maintained. Equifax among all relative credit reporting agencies have generally been a good steward, not abusing their obligation in order to support a non prosecuted financial industry. My request, sent as a complaint is just for reconciliation of all accounts, and inquires maintained by Equifax. If such is done, then it 's not the inaccurate reporting on of the credit reporting agencies its the unverifiable information sent by their billing clients, the above the law financial industry. Which is the subject of my complaint. If the Credit reporting agency reconciliates the record, then all complaints i believe will be resolved. If the credit reporting agency verifies my name, specific the one that appears on my social security card, which is the number identification that it uses to maintain such report, then it will take care of itself.
I have been denied my credit report for the past 10 years and Bias information on my report is beibg used to deny me EMPLOYMENT, HOUSING, EDUCATION, Finacial loans. Persons within the United States Government have BLACKLISTED me due to my advocacy and have abused their authority to IMPEDE all CONSTITUTIONAL liberties
ELAN Financial service reported me 30 days late. I have made payments with them. I also informed them that I had a house fire and ID theft. I would like this late reporting removed from my report.
I was trying to buy the new XXXX XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX and I saw an option with XXXX financing and I checked that and assumed it 's like other financing stuff like cars or monthly plans from XXXX and so on. It did n't state really clear it was a actuall credit card until I finsihed the application. I also checked with some XXXX of XXXX and they did n't even knkw this is a credit card. And it 's from Synchrony Bank and they did n't talk about it is a credit card that I was applied for during my checking out. Apparantly I did n't want to apply for a new card and this is only can be used on XXXX XXXX. I see this as fraud and waste my inquiry on my credit report. Since this is an unaware application for credit card. I already colsed the account on the same day as I knew it was a credit card. I hope to remove the hard inquiry from my credit report.
I contacted XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by XXXX XXXX XXXX, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to XXXX as well as Experian. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for XXXX and Experian. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Chase XXXX XXXX XXXX Visa customer representative supervisor XXXX from XXXX XXXX, Texas, said on XXXX XXXX, 2017 that the original XXXX bonus offer for spending $ XXXX in 3-months I was promised when applying for the card was a " misprint '' and that the URL on the original offer went to the " wrong '' webpage. <P/>When I called to inquire about this situation, a customer service representative said the company receives " a lot of calls '' about this type of problem and that " no one at the company can help me. '' He kept me on the line for an extra 30 mins. after I asked that the call be escalated to a supervisor who could help me. When I was finally transferred to supervisor XXXX after 45 mins., he provided contradictory information from the original representative. XXXX also said that there is " no greater authority '' than him at the company to help me, except " maybe '' the " correspondence department. '' Was informed that the card was activated without my knowledge in XXXX. 2017, even though I received contradictory information when I called the credit card company on XXXX XXXX, 2017 to actually activate the card and confirm the promotional offer. ( I received my first credit card statement several weeks later with indicated activity beginning on XXXX XXXX, 2017, the day after I called to activate the card. ) Between XX/XX/XXXX,  when I first talked to the credit card company to activate the card, and XX/XX/XXXX,  statements show that more than $ XXXX was spent on the card, surpassing the understood $ XXXX over 3-months offer to receive XXXX XXXX XXXX XXXX miles, but I did n't receive the miles. ( During this period all billing statements were paid promptly and in good faith to the original offer. ) At every touch point with XXXX credit card services for the XXXX XXXX XXXX card -- from application, to activation, to payment and follow-up -- I received either misinformation or contradictory and misleading information. I also had to speak to multiple people, only to be told at every corner that there was " nothing that could be done '' to receive the benefits of the original offer and that " no one at company '' could help me. <P/>In sum, I would simply like to receive the original benefits promised, otherwise noting that the customer experience at Chase credit card services is designed to mislead customers. <P/>Chase 's XXXX XXXX XXXX card 's annual membership fee is {$450.00}, but it falls far short of the standards of my XXXX XXXX XXXX XXXX card services, which has the same annual membership fee.
Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XXXX and XXXX as XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with XXXX  and Ally financial. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.
I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. Equifax responded indicating that it has already addressed my concerns through a Reinvestigation. Here is a direct quote from Equifax 's response : " Results of Our Reinvestigation are : Our records show that you recently contacted Equifax on XX/XX/XXXX via case XXXX regarding the items listed in the complaint. Reinvestigation results were sent to you on XX/XX/XXXX. The information you disputed has been updated as well as other information on this item. XXXX XXXX Account # XXXX The results are : This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS *DATE OF LAST PAYMENT *ACTIVITY DESIGNATOR *ADDITIONAL INFORMATION. '' THIS RESPONSE IS ENTIRELY FALSE. ALL OF THE ABOVE FIELDS WHICH THE COMPANY CLAIMS TO HAVE UPDATED CONTINUE TO BE INCORRECT. MY COMPLAINT SUBMITTED THROUGH THE XXXX COMPLAINT PORTAL IS BASED ON THE REINVESTIGATION RESULTS. THIS CLEARLY SHOWS THAT EQUIFAX DOES NOT PROPERLY LOOK INTO CONSUMERS ' CASE/COMPLAINTS AND INSTEAD TRIES TO PUT THE BURDEN ON THE CREDIT COMPANY/LENDER. I submitted a copy of the Equifax report DIRECTLY FROM THE EQUIFAX WEBSITE ON XX/XX/XXXX, THE REPORT OF WHICH IS DATED AS OF XX/XX/XXXX. If Equifax has properly reviewed that copy ( reattached here ) it would have noticed that my compliant is BASED ON THE REPORT THAT ALREADY REFLECTS THE REINVESTIGATION RESULTS. 

EQUIFAX CONTINUES TO REPORT MY ACCOUNT AS BEING LATE, EVEN WHEN : 1 ) The mortgage provider committed administrative error and violated the Periodic Statement Rule under 12 CFR 1026.41. 2. No one sent me any billing statements or late payment notices.

2 ) The mortgage provider violated the Periodic Statement Rule under 12 CFR 1026.41, the requirement of delinquency information under 1026.41 ( d ) ( 8 ).

3 ) I never received a notice from the mortgage provider stating that it will report negative information to the credit bureaus. This violates FCRA 623 ( a ) ( 7 ) requiring notices to consumers of negative information being reported to credit bureaus.

4 ) Furthermore, Equifax reports the account as being " NR '' ( NOT REPORTED ) in the payment history EVEN WHEN THE ACCOUNT WAS ALREADY TRANSFERRED IN XX/XX/XXXX. THE PROPER PAYMENT HISTORY SHOULD BE BLANK SINCE IT HAS ALREADY BEEN TRANSFERRED BUT IT KEEPS ON REPORTING IT AS " NR ''.
I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX. 

I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX. 

On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. 

RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX
To Whom It  May  Concern :  XXXX / XXXX / XXXX   XXXX   XXXX  Consumer Financial Protection Bureau  Case #   XXXX  It is obvious from the  Unifund  response that this is a standardized template letter.     I have never been served in person, by mail or in any other format ever.     Unifund is required by law to provide proof of such event which is the original complaint that was filed by me stating that I was NEVER served, notified or any documentation or  US  mail ever delivered to any address that I receive correspondence at.     Additionally, NONE of the credit reporting firms including all the majors,   XXXX   XXXX   and   XXXX   show ever an official claim filed against me.     I am attaching a copy of   XXXX   which is a law firm and credit repair firm in the state of California that shows my full credit history for the last 5 years on all major credit reporting firms and as you can clearly see ; there is no filing in the last 5 years.     The statute of limitations for consumer debt for the state of California is 4 years. And, as admitted in their own documentation, this pertains to a debt from  XXXX , well over 11 years ago.     My complaint has been fully validated :   1. Unifund  has never provided documentation of how, when, where or by whom I was personally supposed to have been served as required by law.
2. Nor has Unifund   provided any mail documentation in the form of certified mail letters or mechanism or report of who this was given or sent to.    3.  I am requesting to be clear that this debt be eliminated based on 3 principles : A. I was never served B. The debt is beyond the statute of limitations for the state of California as it over  10 years old which is more than twice the legal limit C. No evidence has ever been shown to me or any US  credit reporting firm of the existence of this claim.
I.Q . Data International , Inc. is at tempting to collect an invalid debt from me. On  XXXX   XXXX ,    2017, IQD sent me a collection letter. In the letter, IQD stated, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such judgment or verification. '' Shortly after receiving the letter from IQD ( within 30 days ), I sent a letter to IQD informing them that the debt was invalid and to cease collection efforts. Subsequently, IQD did n ot mail me " a copy of such judgment or verification '' and sent a second collection letter on  XXXX   XXXX ,  2017 .
EQUIFAX, XXXX, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
My RushCard Acct. notified people that they were makingchanges to their System- Which has been harder to understandMy Prepaid Visa Rushcard- has notified Account holders thatthey were making changes to their Online System. It has madeeverything much more difficult to understand and access theAccount- AND I can not figure out what happened to a pendingCharge that was not added back in- after being deducted out? 
PLUS- MY CHECK HAS NOT BEEN DEPOSITED YET INTOMY ACCOUNT? WHICH IS DUE TO BE IN MY ACCOUNT? 
IT IS USUALLY IN THERE BY NOW, AND I AM WONDERINGWHAT HAS HAPPENED AND WHEN IT WILL BE IN THERE? IDO NOT LIKE THEIR " NEW '' SYSTEM and the CHANGES thathave been MADE to the READ-OUT ONLINE -it is much harderto Read and understand it now!
On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. 
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. 
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. 
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. 
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. 
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. 
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, XXXX AND TRANSUNION ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
In XXXX I completed a deed in lieu with Ocwen Loan Servicing for my house in XXXX County at XXXX XXXX XXXX XXXX. I received a XXXX from Ocwen showing the release of lien effective XXXX/XXXX/XXXX. The credit bureaus all show the loan discharged from my credit report in XXXX. In XXXX XXXX I began receiving foreclosure notices from Ocwen and phone calls from their customer service department. I also spoke with a relationship specialist. None of them could tell me why after 9 months I started receiving foreclosure notices even though I do n't own the property. I did find out in XXXX of XXXX that the paperwork sent to Ocwen 's attorney was not filed with XXXX County because the lawyer is " no longer in business ''. Also, I found that the house was listed with a real estate agent from XXXX XXXX to XXXX XXXX by a realtor hired by Ocwen. I spoke with the realtor and she stated there was an interested buyer in the home but they could not get clear title on the house because Ocwen 's attorney failed to file the paperwork with XXXX County. I also received a letter dated XXXX/XXXX/XXXX stating my deed in lieu was completed XXXX/XXXX/XXXX. That is 4 years before starting the deed in lieu process.
XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.
I am reporting a Regulation X dual tracking violation. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
The mortgage is represented by XXXX XXXX XXXX ; the account # XXXX and managed by Select Portfolio Servicing ( SPS ). A loan modification was initiated in XX/XX/XXXX. 

SPS took so long with Loan Modification that instead it was decided that the property be sold. In XX/XX/XXXX I listed the property for sale and after several contracts my realtor was able to find an all cash buyer. 

SPS ordered the 1st appraisal they have been holding up the file for so long that SPS had to obtain another appraisal. I learned that the property diminished over {$200000.00} while SPS was " reviewing my file. 

Meantime while I am working on selling the property for close to the appraised value SPS files for foreclosure with the house to be sold a Sheriff Sale XX/XX/XXXX. 

I have an all cash buyer and every document requested has been submitted by me and my Realtor. 

Selling the property is important to me and my family as the Short Sale will have less of an impact. 

Since XX/XX/XXXX SPS has had all documents requested. For the month of XX/XX/XXXX they had my Realtor change things back and forth on the HUD-1 then only to have her change things back to the way it was prepared XX/XX/XXXX! It is Now XX/XX/XXXX and they are still creating what I feel is a false delay using changes to the HUD-1 to hold up the Approval so the property can be sold instead of lost to Foreclosure Sheriff Sale in XX/XX/XXXX. 

SPS should not be moving to Sheriff Sale while we are working on the Short Sale closing date. I wrote to the State of NJ Foreclosure division but was told there was nothing that could be done. 

Please advise.