WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws:15 USC 1681623 ( a ) of FCRA/FACTA , I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 

VIOLATIONS OF CREDITORS & EXXXX : VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS  AND ACCOUNTS TO BE REMOVED : XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Chargeoff High Balance is reporting as {$6500.00} and in another report it is saying {$11000.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT. 

XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Charge High Balance is reporting as {$11000.00} and in another report, it is reporting as {$6500.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT
I 've tried countless times to get information on consolidation and loan forgiveness since I 'm a XXXX  XXXX XXXX XXXX I have n't gotten clear answers or directions
I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience.
I lost my job a year ago and also fell ill, i could not make payments so home went into foreclosure. VA felt my illness was just bad health, i was getting worse and they wanted to hospitalize me but i refused, last visit i mention this to my new provider and he noticed something so he prescribed antibiotics. It turns out i had an XXXX that was causing the XXXX  XXXX XXXX, XXXX XXXX, XXXX problems, etc. During this illness i files for chapter XXXX but was dismissed due to filling out income incorrectly, i filed pro se and was not able to find legal assistance. I corrected the forms and refiled but was denied because i did not pay for the first filing, even though i had no income. 
My foreclosure sale was scheduled for the XX/XX/XXXX and my only hope was to file chapter XXXX, but i had to pay for all filings which was ~XXXX. I had just started working part time since i was recovering. 

i filed on XX/XX/2018, well in advance of the foreclosure sale in 6 days. I calles wells fargo on the XX/XX/XXXX to work on a payment plan and was told sale went through but notation on account stated they were going to rescind sale. It turns out foreclosure trustee denied to reverse the sale because this was the 3 bankruptcy but there was a stay in effect and a chapter XXXX is treated differently than a chapter XXXX.Foreclosure trustee is supposed to be a neutral participant and this was clearly not the case. Wells fargo is the servicer not the lender, i dont believe they had the right to foreclose on my house.
I want to file a complaint on Trans Union Consumer Reporting Agency in XXXX, PA XXXX. In XX/XX/XXXX my credit score was lowered and, I was denied a mortgage loan due to the lies provided to the lender by Trans Union Credit Reporting Agency. For the past 6 & years Trans Union has been reporting incorrectly that my XXXX XXXX Visa account is an adverse account & that it was included in a XX/XX/XXXX bankruptcy. This information reported on my TU credit report regarding XXXX XXXX is false! 

My First dispute letter to Trans Union regarding this matter was XX/XX/XXXX, the second request was on XX/XX/XXXX. 
TU said they contacted XXXX XXXX both times and confirmed that Adverse account information was correct and it would remain on my TU credit report! THIS WAS A LIE & TRANS UNION WAS NEGLEGENT! 

The information reported on my TU credit report regarding XXXX XXXX   is false. My account with XXXX XXXX is NOT NOW, & NEVER HAS BEEN ADVERSE, but IS open and in good standing, and has been since XX/XX/XXXX. My account was NEVER closed or included in a bankruptcy in XX/XX/XXXX, because it is a SECURED ACCOUNT BACKED BY MY DEPOSIT! As a matter of record I have been over paying my XXXX XXXX accounts before the due dates since XX/XX/XXXX. 
I have spoken to XXXX XXXX on XX/XX/XXXX, ( XXXX XXXX XXXX ext XXXX ) XXXX XXXX have assured me that they NEVER AT ANY TIME REPORTED TO TRANS UNION that my account was ADVERSE OR INCLUDED IN ANY BANCKRUPTCY!
Experian continues to report an inaccurate bankruptcy on my file. They told me that the information was verified XXXX XXXX XXXX on XXXX XXXX which I find hard to believe because I have a letter dated XXXX XXXX from the XXXX XXXX vendor XXXX XXXX that my file is not accessible. This was done because the state of California filed a lien in error and later had it removed from my reports, but it remained in XXXX XXXX so I was getting mailers from attorney offices and scam calls from companies saying I needed to pay the debt to them. This bankruptcy is inaccurate and not verified.
First National Bank of Omaha today re-aged my original bankruptcy date from XX/XX/XXXXto XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.
I have XXXX different retail credit cards managed by Synchronicity/GE. All of them with decent limits. I was running balances on all XXXX, with perfect payment history. I paid XXXX of the cards in full and 80 % of the other card. Suddenly, the limit on that card was lowered to {$300.00} with no explanation. The other XXXX limits were then raised. This is fraudulent. How would a bank determine they want to dramatically lower your limit on XXXX card and then drastically raise your limit on the others? When I called, they said they did n't have access to the reason, and that I should be receiving a letter explaining why. I received a letter that in so many words stated they re-evaluated my credit and made the determination. This is unjust and I would like to see some action take to bring my limit back up. Closing these accounts would severely damage my credit that is important to me as it is to all of us. Please help.
When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. 
On average we get 1-3 calls a week. 
We owe no debts other than loans through XXXX XXXX XXXX XXXX.
I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. 

They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.
The issue is that I have been trying to work with our lender since XXXX to work out a modification on our home. I was dealing with XXXX XXXX XXXX at first and they never would do one. XXXX XXXX XXXX sold the servicing to Nationstar in XXXX of XXXX. So we started the modification game all over again. The reason I call it a game is you send all the paper work they request and they say there are pages missing. They call and leave you a message, you call back and talk to voice mail never a person. I know that in the state of Georgia that there is a statue of limitations on signed contracts which is 6 years. Nationstar advertised the property for foreclosure sale on XXXX XXXX XXXX. I was at the courthouse for the sale to see if it would be sold. In Georgia the listing has to be cried-out on the courthouse steps. This was not done. Which I have confirmed is illegal, and I do have witnesses. I am still living in the house. They have now listed the house with a realtor to sell the house.
I have been trying to get a loan modification with Wells Fargo. The process started at the beginning of the year and has been going on since then. I am a XXXX year old XXXX veteran and my wife and I have been struggling to stay in our home. Wells Fargo has threatened us with foreclosure while in the loan modification process. Meanwhile the bank has been stalling and stalling and we can not seem to move forward. What angers me as well are the advertisements they run on the tv. One states they have changed ( since cheating their customers ) and another talks about their involvement in helping different charitable organizations.. I am a veteran and I believe I have a predatory loan. They appear unwilling to help but seem intent only on stalling without any progress made to resolve this issue.
After losing my job XX/XX/XXXX, I had trouble paying my mortgage.I tried since XX/XX/XXXX or XX/XX/XXXX to get a loan modification with US BANK.Everytime they would keep asking for more information, sometimes duplicate.I always submitted it but it was never moved forward .Finally in XX/XX/XXXX or XX/XX/XXXX, I gave up on the modification and filed Ch XXXX bankruptcy XX/XX/XXXX.The loan with US BANK was not re-affirmed.On XX/XX/XXXX, I made a partial payment of XXXX to US BANK and re-applied for a loan modifcation.My bankruptcy was finished on XX/XX/XXXX.I have since been continually giving them updated info since XXXX XXXX spoke with XXXX XXXX on XX/XX/XXXX and he told me they reqiured yet addditional info! After recieving the new info, I e-mailed it to him on XXXX the same day, i was served with a summons about forclosure! No matter how much I give them, the modification never moves forward, even though they assure you it will! I am now on XX/XX/XXXX from my employer.I can make the mortgage payment ( preferably ) reduced, I just need help catching up on the arrears.I am desperately trying to save my home.
I started with disputing accounts with credit bureau because last payment dates were wrong, all account are over seven ( 7 ) years old. I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way that statement can be true is if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. It helped but some accounts were duplicates. Then the dates on reports that remained began changing again. In fact on XXXX ( XXXX ) accounts opening dates were changed and closing dates removed making it look like their open and in collection. This was after original creditors had removed them from credit report. The accounts were different at each credit bureau web site XXXX had account numbers XXXX did n't. and some were duplicate account numbers with different information. It 's hard to know which is real account. I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. There are so many XXXX XXXX accounts with different information I have to file all of them because I ca n't tell which is the original one, there was only XXXX XXXX XXXX card. I am working off of XXXX credit bureau with this complaint, it has account numbers maybe they will help, even if numbers have changed there better than nothing. All of the credit bureaus are the same in one respect, none have any payment history on any accounts that are in question. I have my past seven ( 7 ) years of bank statements and there were no payments made on those dates in fact no payments were made in those seven ( 7 ) years. I do n't know what is left to do. I 've disputed and contacted all XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX creditors and the XXXX in collections and I guess because of duplicates on most derogatory accounts a lot still remain.
I have expressed my concerns with Capital One regarding my second credit card which ends in XXXX I have had 3 executive office representative have the same answer but there is no resolution. I was denied a credit increase from Capital One a couple of months ago. They stated the reason for this denial was that my payment was returned. I have made my payments on time to Capital One for years!!! I only wanted the {$250.00} increase on the first card. I was encouraged to apply for a second card by a Capital One representative. I was approved but the interest rate is 24.99 % which is absolutely too high of a percentage. 

I have expressed to Capital One that I only wanted the increase from the first card. I have a good payment history and should have not been denied the credit increase. I now have another credit card in which I really did not want the extra debt! The fees are extremely expensive and told Capital One that I think that this was a ploy to give me another card so that I could owe Capital One more money!!
Dear CFPB Team, I need your help on this matter, has been few bad days for me waiting for coinbase to resolve my issue and I have bad customer service and no support. I bought some litecoin on XX/XX/XXXX and they charged my credit card twice for the amount of {$580.00} us dollars, since my credit card was charged twice the my bank did a reversal and reject the two payments. Then I tried to login back into my coinbase account and they ask me for the payment of {$580.00}, I submitted the payment using my personal checking account and they took the money from my account so they said it is paid already few days ago, they reply me back after several calls and emails saying that they received my payment but my account should remain locked until an specialist review it, its been few days and this remain as it is, I called several times and they told me the same thing, I email then too and they replied the same, I am attaching the case history, it is not fair as coinbase treat the clients. I need your help having my account unlocked and gaining access to my funds, all my funds in coinbase are in us dollars. I just called right now and they gave me the same response, over and over, they don't unlock my account. 

Thank You!
I financed my vehicle with XXXX XXXX in XX/XX/XXXX and was to make my first payment XXXX first XXXX. I made this payment then my due date changed to the 15th of every month. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XXXX which was not due yet. I called XXXX and they told me they did not report false information and I need to handle it with Experian myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX XXXX again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.
I have and inquiry on my credit report that I didnt authorized on XXXX XXXX 2016. 
the company name is XXXX/ XXXX. they are mortgage reporters that is the explanation. 

i am not applying for a loan please remove this inquiry. i am not familiar with this company at all
I have been trying to get a modification to an existing mortgage for 3 +  years. Every time I submit the information that they requested, they state that they want additional information. I must have submitted the information at least 10 times. Last week they stated that they had all the information that they needed. Two days later they stated that I had to start over and submit everything again new. I did do that, but they said that they did not have enough time to do the required work. The property is now scheduled for foreclosure sale on XX/XX/2018. This is an example of the worst customer service I have ever seen.I now am working and could afford to make the mortgage payments, but they are not offering me that option. Please help. I have attached a document that shows the fax 's I have submitted. This is only the top page of 5 pages of faxes.
Macy 's is reporting that I owe {$1700.00} on account # XXXX. Several months ago, Macy 's issued a XXXX, cancellation of debt form, in relation to this balance. Furthermore, they now refuse to accept payment. 

Since they have cancelled the debt, and refuse to accept payment, they should update the owed balance to {$0.00} owed at the credit bureau level. They should not be able to issue this tax form, refuse to accept payment, and continue to report that I have an owed balance. That is not fair, and they are holding my credit profile hostage.
I paid this debt off to the company years ago but they have yet to resolve the open judgement and refuse to send me verification that the debt was paid.
I file a dispute with XXXX XXXX account that are closed with XXXX balance. Because this account has been settle years ago and still has a negative impact on my credit report. Because this is a 7 year old account and XXXX agreed to remove these account off my credit report. Reference # XXXX. I did file I new dispute with Experian but I know they do not update right away and they do not follow creditor request. So I am filing a complaint so it is recorded through this system. XXXX mail out letterhead to me I should receive it within 7 business days and if it is not removed I am going to file a new complaint with it. I asking Experian to follow Creditor request. They are the one who reported it in the first place.
I had an XXXX  collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and Transunion reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls.
Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud.     The problem is with my former  XXXX  card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as   XXXX   days late on my experian credit report. I was assured that the report would be corrected and the   XXXX    day late would be corrected and removed.     To date, this has not been done and  XXXX  is showing as   XXXX    days late, breaking their promise to me via the letter received.      FIX IT!
I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.
I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month