WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX FCRA Dispute Duties The FCRA imposes dispute duties on both CRAs and furnishers. If a consumer disputes the completeness or accuracy of an item contained in his or her file directly with the CRA, u the CRA must complete a reinvestigation within thirty days after receiving the notice of dispute from the consumer ; XXXX u in conducting the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer ; andXXXX u within five business days of receiving the dispute, the CRA must notify the furnisher of the dispute, and include all relevant information that the CRA received from the consumer .XXXX After receiving a dispute from a CRA, a furnisher must take the following steps:XXXX u conduct an investigation with respect to the disputed information ; u review all relevant information provided by the CRA ; u report the results of the investigation to the CRA ; u if the investigation finds that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the information ; and u complete the investigation before the end of the thirty-day period that the CRA has to complete its reinvestigation. If the CRA finds during the reinvestigation that a disputed item is inaccurate, incomplete, or can not be verified, the CRA must delete or modify the item.XXXX No later than five business days after the completion of a reinvestigation, a CRA must provide written notice to the consumer of the results of the reinvestigation .XXXX The notice must include u a statement that the reinvestigation is completed ; u a consumer report based on the consumer 's file ( if the file has been revised as a result of the reinvestigation ) ; Case number : XXXX Back Status Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit report. 

The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time NO INVESTIGATION HAS BEEN DONE!!!!!!!
I have been an identity theft victim since my birth certificate and personal information was stolen in XXXX. I have tried tirelessly to get the information corrected since, most of the credit bureaus have corrected my personal information except Experian. On XXXX XXXX, XXXX ; contacted them to dispute again personal information that is related to my identity theft issues. I continuously disputed addresses and name spellings only to be told that Experian is refusing to dispute or remove the information that is incorrect because it was associated with a reported account that was opened or application that was submitted with incorrect information. Experian has been the most difficult in correcting my personal and credit information and I am contemplating legal action for FCRA violations.
I have not received any medical treatment or services from this hospital and they are in error. The money owe was for services my wife received. The collection agency has consulted with a law firm who in turn have reported me as owing this debt with is false.
I entered into union XXXX XXXX, Wich is located in XXXX XXXX XXXX XXXX nj, applied for a auto loan, I was told that I would need a co sniger to get the loan, I didn't have a co sniger so I left the dealership. 
Five months later I started to receive invoice for payment for a vehicle that I didn't have in my possession, so I tried to sue the car dealership for farud, they had a lawyer and I didn't so my case was dismissed.
XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX  statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.
On, XX/XX/2018 I sent a letter disputing an account for Santandar Consumer USA in  regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time Santander failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and Santandar Consumer USA violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.
XXXX XXXX in XXXX notified me, a renter, that the landowners meter that was over XXXX years old and equipment owned by the XXXX XXXX XXXX was not reading correctly a.k.a. XXXX, being me was being assessed charges that XXXX XXXX Claims that they can not validate in any way is a correct amount that should be paid, but calculated the usage of the home, which was empty for 8 months before I moved in and came to the average of the neighborhood and assessed me over XXXX dollars was owed. I filed a dispute with the Iowa Utilities board in which I agreed in XX/XX/XXXX to pay XXXX for. On XXXX XXXX I was given a disconnect notice for that ageed amount and forced to call XXXX XXXX to " make Arrangements '' to pay. I emailed stating I would pay XXXX a month extra a month until it was paid and my monthly bill. In turn a employee by the name of XXXX stated she could n't write the agreement up that way the computer was n't allowed to but she I quote you stated '' But I can fix this and write up the agreement for you '' So she returned the agreement. Me believing that I had to pay the monthly bill by XXXX XXXX, which I paid my monthly bill and had to start paying the XXXX dollars. What the employee did was slip in not only my monthly payment, but I would also pay an additional XXXX dollars and they she wrote the agreement that the additional XXXX would be paid by XXXX dollars, totally rewriting the debt in full after agreement was made to pay XXXX. Then when the error I pointed out to them from XX/XX/XXXX-XX/XX/XXXX the XXXX XXXX against the Utility board settlement agreement renigged on that deal to find out, all along they were charging me incorrectly as they sent me a notice to pay state taxes as a renter for the usage of electricity because XXXX XXXX was not charging me residential prices, but they ahd been charging me based on a Business rate. When I called to place this in my name they were told it was residential use, they were told several tmes I am a renter not running abusiness. So the entire bill itself from XXXX XXXX until XXXX of XXXX I was being charged as a business rate not a resident which make the whole XXXX debt wrong. They have falied to listen they have failed to do anything but now send collection people after me and damage my credit they breached the deal and over charge dme and charged me for months I was n't even living there, They were blling me and the bill shows for two months before I was even a renter. I signed and moved XX/XX/XXXX They are charging me for XX/XX/XXXX through XX/XX/XXXX on this business rate and business rate from XX/XX/XXXX Until I was notified of state taxes due for business rate XXXX. Illegal billing. I notified over sixty days ago alliant energy and the collect company this is a illegal debt and a breached debt on the settlement by the alliant energy they are ignoring the disputes and ignoring everything and making demand I pay them for whatever they say and are damaging my credit over it
Equifax has claimed that account details have been verified without any documentation in regards to accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX yet I am the only party providing documentation against all these fradulent accounts. I would include XXXX XXXX but I will take Equifax at their word when they claim that this account is no longer on my report. I have provided a settlement agreement to Equifax reguarding XXXX XXXX XXXX when I used ther representative in court and the settlement clearly states that this debt can never be collected on by anyone, yet Equifax reports this because someone says so. XXXX XXXX XXXX has refused to provide any agreement in regards to this account, yet Equifax reports them because XXXX XXXX XXXX says so. XXXX XXXX XXXX has never stated what was on this account and if it is a computer, has never tracked down where this computer is, yet Equifax reports it because XXXX XXXX XXXX says so. XXXX XXXX XXXX has changed the address and names on the reported account, yet Equifax reports this because XXXX XXXX XXXX says so, XXXX XXXX XXXX claims to have filed a document that reports their account as income, yet Equifax reports them because XXXX XXXX XXXX says so. I am the ONLY party providing documents yet these accounts are reported because someone says so. I am including a letter from XXXX XXXX XXXX through the CFPB showing that XXXX XXXX XXXX claims to have filed a XXXX and that they are holding my credit ransom on a fradulent account by continuing collections, I will also provide a document from XXXX XXXX XXXX that shows a second name and that the name is my wife 's yet her maiden name is on it, almost a year after we were married on XXXX XXXX, 2012 and after my wife did change her name at a XXXX XXXX XXXX branch in XXXX Virginia XX/XX/2012 with a social security card and a drivers license with her married name on it and provided a copy of her card to Equifax. This is the last time documents will be sent before I file my lawsuit against Equifax. I have tried to keep this out of the courts but Equifax refuses to give me a fair investigation. Name, Address, Social Security Number, and Date of Birth being provided by a company is not the result of a fair investigation, as someone had this information to set up these accounts. Everything else that was reported months ago had shown fradulent activity and were removed so what makes the last XXXX accounts different as these other companies also said my information was on there but the accounts were fradulent. 6 days until court papers are filed.
I attempted to open a saving account with Capitol One online this morning. The online site referred me to a security phone service personnel who refused to accept my saving account application, but more importantly they also refused to provide any basis for their action. I do n't understand how a request for a simple saving account involving no line of credit or check writing privileges would be turned down, particularly that my credit rating is quite high. Moreover, I thought I had protection from secret personal credit information by Federal and State statute. As of now, I do not have the account I applied for and I am left with questions about totally unknown personal information held by this bank that they will not reveal. I do n't know if this will happen again or how it will effect my future relationship with other banks or credit bureaus or how it might effect my future employment prospects. It seems XXXX has a practice of secret dossiers on consumers. I have no doubt that whatever they think they know about me is wrong, but I have no means of correcting the record.
I changed electricity providers, I notified XXXX XXXX and they charged me for the same time period I paid XXXX. I sent my bill from XXXX to them and they turned it over to a collection company.
on XX/XX/XXXX a fraudulent check was deposited into my account on XX/XX/XXXX that check was rejected by the bank and without my knowledge them on XX/XX/XXXX bank of America closed my account for suspected fraudulent activity I have tried numerous times to resolve this with bank of America but no luck on XX/XX/XXXX i got a call from bank of America representative XXXX XXXX ( XXXX ) ext ( XXXX ) I told her about the incident and she told me it would be investigated I then got a call back from her on XX/XX/XXXX stating that it was investigated and the matter stands as fraud ... i am writing this again as a fraud complain on who ever deposited that check and bank of America for not properly looking into this matter I can not open no account cause they put my name in XXXX   for a matter I have no knowledge about
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
I am unable to get a FREE copy of my Equifax credit report. I am told I need to fax or mail ( at my expense ) supporting documents or I can pay for a copy of my report at {$7.00}. I spoke with XXXX in the Equifax Consumer Affairs department and ha refused to help me or to give me his supervisor to try and rectify the problem. He wanted to mail me my report but it would only go to an address on file which I have not lived at for 2 years. I want my free Equifax credit report as allowed by law without incurring any fees, charges or out of pocket expenses.
I had a loan with AVANT XXXX XXXX XXXX XXXX SUITE XXXX XXXX, IL XXXX ( XXXX ) XXXX In XXXX I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month Avant is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.
On the same day TransUnion has issued XXXX different credit scores. The XXXX Score XXXX Credit Score for me is stated as XXXX ; however, TransUnion Credit Monitoring is showing XXXX. Also XXXX XXXX had deleted an illegal collection and advised TransUnion to delete this. ; unfortunately, each representative told me it had not been deleted. After arguing with these people, they found that it had been deleted ; but this deleted collection is still determining my vantage score XXXX credit score with TransUnion. It is only with TransUnion that I have such a low credit score. TransUnion had made too many mistakes on the file causing me to have a low credit score. There is a serous problem with the system at TransUnion.
there are several accounts that I have advised that are not mine these were opened from identity theft and have not been removed I have gotten a police report recently that lists all of the accounts that are fraudulent and a notarized id theft affidavit
i XXXX is now doing this to help clear up my credit with this company call transunion consummer relations they send me a letter out telling me i was credit was denial now i want to have it recheck by some other company and have this company remove off the list of people that keep trying to stop me from getting my credit clear up theu have been doing this for over 7 years now and i am about to get mad over this now it is about time to put a stop to people that do not want others to get head in the world now hope you can see to help me get this done to stop company that do this to other people now thank you XXXXXXXXXXXX
XXXX XXXX REPORTED A COLLECTION ON MY CREDIT REPROT FOR {$2800.00} STATING IT WAS FOR XXXX XXXX XXXX BUT I NEVER HAD XXXX XXXX XXXX .... THEY FAILED TO VALIDATE THIS COLLECTION DID NOT PROVIDE ME WITH ANY PROOF THAT THEY HAD THE RIGHT PERSON .... INSTEAD THEY ARE NOT CALLING MY WORK AND MY RELATIVES.. I ALSO CALLED XXXX XXXX XXXX WHO DID NOT AND COULD NOT FIND ANY ACCOUNTS UNDER MY SOCIAL # ESPECIALLY NOTHING IN DEFAUL. XXXX IS A FRAUD AND ATTEMPTING TO COLLECT ON THE DEBT THAT DOES NOT BELONG TO ME. EVEN AFTER RECEIVING CEASE AND DECIST THEY KEEP HARASSING ME ...
I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.
In my Equifax credit report there is one fraudulent account reported by XXXX. I filed a police report and submitted it to all three credit reporting agencies and two of them XXXX and Equifax   immediately block the fraudulent account from my credit report. Equifax refuses block the fraudulent account from my credit report and keeps stating that they have different policy. I have been speaking with Equifax customer representatives months now from fraud department, from regular department which is located by the way outside THE UNITED STATES in XXXX, XXXX. ( My personal information was exported to foreign country without my knowledge or permission ). 
Please, help me to resolve this issue. I am a victim of a fraud and the account that I was disputing with Equifax is a result of fraud and Equifax denies to block that fraudulent account from my credit report in order to show the true worthiness of my credit file.As a result of that I was recently denied for credit and for a job. In last 6 months I was contacting with Equifax representatives twice a month and they always were asking me to send Identity Theft Police Report, FTC Victim Fraud Affidavit form, my state ID card, my Social Security card and after providing all of this informations I lost my hope today that Equifax is going to block the only fraudulent account from my credit report. 
Please help me. I do not have anywhere else to go or to complain. Why the other two credit reporting agencies XXXX, XXXX XXXX have verified with creditor XXXX that it is a fraudulent account and deleted that account from my credit file but Equifax still playing a game with me. There is suppose to be one federal law for all credit reporting agencies regarding how to handle cases with fraud on behalf of consumers. Why Equifax is different in processing this kind a disputes. Please help me to get this fraudulent account removed from my Equifax credit file.
Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.