WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I've been disputing with the credit bureaus ( XXXX, Trans Union ) and the furnisher ( XXXX XXXX XXXX ) since XX/XX/XXXX, and as recently as XX/XX/XXXX& XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnisher physical evidence that this account was paid in full to the original creditor as " XXXX XXXX XXXX '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnisher ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXX XXXX certified mail to their Indiana office with information identifying myself, account #, and the release " XXXX XXXX XXXX ''. They said my letter was illegible ( when I typed it ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. They referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. I've submitted my fourth dispute with XXXX  onXX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an XXXX   representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, XXXX, Trans Union, the certified release, a response from one of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.
I applied for an apartment complex, XXXX XXXX, who uses FABCO for their third party screening. I applied and was approved at the end of XXXX. The FABCO  inquiry shows on my XXXX   credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from FABCO  on my report. I quickly called FABCO  to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to FABCO  and let them know this was an inquiry in error. I also sent a dispute letter to XXXX which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. XXXX  has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
I am XXXX years old, retired from XXXX after 42 years. My wife and I XXXX for 42 and 39 years, respectively. I COSIGNED FOR MY DAUGHTERS FOR HER FIRST YEAR AT XXXX UNIVERSITY ONLY. Since XX/XX/2001, I have paid back over XXXX dollars with indication that the school received ANY payment. I dutifully paid overXXXXXXXX a month since that time, and received no notification of payment from the college or XXXX/Navient, only harrassing calls and threats. I feel I have been scammed by the school as well as this lender. My wife and I paid for our education loans, why should I have to continue to pay for a FIRST YEAR LOAN ONLY!!!!!
Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them.
credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.
The collection agency is fraudulently re-aging the account to make it appear newer in hopes that I will give in and pay them even though it 's not mine. This is clearly a violation of FTC and FCRA regualtions, as they have failed to report with accuracy and integrity. 

I have filed several disputes as I do not believe that this is my account. XXXX of the XXXX credit reporting agencies have removed this account due to lack of validation. In fact, the Original Creditor ( XXXX XXXX ) continues to extend me credit. I have an auto loan and XXXX credit cards with them that have a perfect record. 

Yet, a collection agency continues to re-validate and re-age zombie debt that I do n't believe is mine on my XXXX report. I have disputed this in XXXX XXXX and XXXX XXXX. My XXXX XXXX XXXX report clearly shows in the comments my XXXX XXXX request for dispute, validation and correction. I have even sent certified return receipt letters in attempts to correct this. The collection agency has sent back letters stating that they have validated all information. 

My XXXX XXXX XXXX report shows the collection agency reporting the Date opened as XXXX XXXX and First Reported as XXXX XXXX. ( viewed as a relatively new account ) My report from XXXX XXXX shows the original creditor and the date opened is ACTUALLY XXXX XXXX and the First Reported as XXXX XXXX. The collection agency has sent me statements from XXXX XXXX showing the debt was clearly in XXXX. The information that the collection agency is reporting to XXXX does not match the orginal creditors information and lacks integrity and accuracy.
I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 


I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.
XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.
I have contacted this company and told them this was not my debt but they will not look up any information all they keep saying is it that there nothing they can do this is an online company I have not received any product from them
Date X/X/18 Bank : Comerica Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Hello, The complaint is regarding a small deposit to a checking account made with Comerica Bank on X/X/18. The issue was n't the deposit itself, but cash back received. Made a small deposit with larger bills to a checking account and request a small fraction of it back in smaller bills ( {$50.00} total - 2 {$20.00} 's, 1 {$10.00} ). The teller handling this transaction hands me 3 bills, with the {$10.00} bill being 1/3rd missing ( ripped with right-hand serial number missing ). I 'm just tired of this sort of behavior and although it 's a petty complaint, would like to file it. She knowingly counted the bills and saw the integrity of the torn bill. My mistake was checking the amount but not the actual bills for this type of thing ( ripped ). Anyhow, just requesting {$10.00} deposited back into my account to rectify the situation and will happily return the torn one.
My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. 
Now the mortgage servicer sent me a foreclosure Notice.
Equifax has divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted.
DATE : XX/XX/2017
XX/XX/XXXX, I received an update via report # XXXX through my email. I could n't access the dispute results so I phoned Experian at XXXX ( call lasted 27m and 53s ). An Experian rep stated that " XXXX stated that the account will remain on my credit report. '' I asked the rep if XXXX sent proof to validating the charges and its correct status. The rep stated that XXXX did not. I informed the rep that Experian was allowing inaccurate information to remain on my credit report after I 've disputed this twice already. I already filed a claim with the BBB and the CFPB to report Experian for violating the FCRA. The account shouldve been removed long during my first dispute because the information reported was false information. This was initially disputed on XX/XX/XXXX. Experian is also guilty of failing to properly investigate the inaccuracies and re-aging the date in which the " report '' was made by XXXX. I filed a complaint # XXXX against Experian on XX/XX/XXXXfor failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy or it 's current status. On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian.
During the second week of XXXX XXXX I was contacted by an employee of Wells Fargo bank of North Carolina ( XXXX XXXX ), she informed me that she was calling to get payment on a bank issued business credit card. The transaction supposedly took place in late XXXX. At that time I changed the corporate mission of my business and informed all contacts necessary of my new mailing address. Since that time I have not received any communications from Wells Fargo until last week when they demanded payment. At that time I made XXXX XXXX aware that if I could be made sure of the original amount of the transaction that I would be willing to pay that amount but no more. Since I still do business with this bank I feel strongly that they should have been able to contact me much sooner and avoided all the additional charges. In addition all of my accounts with this bank appear on my on line page except for this credit card.
I have disputed this information on numerous occasions. Experian 's refusal to properly investigate inaccurate information appearing on my credit file leads me to one conclusion, I am being discriminated against based on my ethnicity and gender. I have several Virginia XXXX accounts appearing on my credit report that lists incorrect information. XXXX account list a monthly payment of {$0.00} and last payment made in XXXX and XXXX. I am requesting a copy and proof of how the payment was made. I have not made any payments to Virginia XXXX XXXX since XXXX. All Virginia XXXX XXXX accounts are reporting beyond the legal reporting time of seven years. Experian refuses to update my credit report to show that these items are in dispute which is a clear violation of FCRA. I continue to receive conflicting information from Experian regarding this dispute. The Virginia XXXX XXXX accounts also list monthly payment terms and date opened incorrectly. Please stop discriminating against me and remove this inaccurate information from my file.
HelloOn XXXX XXXX I received a very cryptic email from Paypal that my account was being suspended for security reasons, since then I have attempted to communicate with them via phone or email to get issue resolve with no successI am being told that I have violated their terms and conditions and because of this my account has been suspended and money will be on hold for 180 daysI have attempted to find out what policy was violated and I ca n't get an explanation I have also asked why they need to keep my money and receive no real reasonI have detailed emails that I can provide with communication with Paypal on this issue to anyone that would like to reviewThanks
Aggressive Loan Officer ( XXXX XXXX ) at Quicken Loans that performed a Mortgage Review of my current homeowner 's loan that currently has a fixed rate of 4 % - FHA-30-year loan with Quicken Loans and when I informed the Loan Officer on XXXX/XXXX/16 that I was not interested in refinancing my home because it would not save me any money and that I would have to pay closing costs as well. The Loan Officer continued to contact me 3 additional times by e-mail on XXXX/XXXX/16 and mail communication on XXXX/XXXX/16 and now today, XXXX/XXXX/16. The Loan Officer as uploaded new refinance information on my on-line account without my knowledge, permission or consent. I feel like I am being harassed by Quicken Loans by their aggressive and predatory style of doing business.
I have not received any disputed wrong information that I asked Experian to delete from my report since XX/XX/2016.
i have worked out a payment plan with the hospital, they still put me into collections, i have received phone calls all day every day from varies numbers XXXX, XXXX, XXXX,
Bank of America is the note holder on my home loan ; XXXX is suppose to be modification status, Recently I was served notice of a foreclosure hearing for XX/XX/2016 I made several attempts to notify my BOA consumer affair agent : XXXX XXXX Manger : XXXX XXXX XXXX XXXX XXXX being I received a letter requesting additional documents etcXXXX. I notified HUD being that my loan FHA they transferred me to BOA ESCALATION DEPT. several times to no avail I filled out all requested paper work, However no one has contacted me regarding the matter. This has been very XXXX!!! Leads me to believe this is nothing but a ploy to add late fees monthly until they foreclose on my home ending in damaged credit.
On XX/XX/XXXX I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
XXXX / XXXX XXXX  has allowed several cards to be fraudulently opened in my name and my wife 's name. It is now making further inquiries to the credit bureaus, using information that it knows is more than 10 years outdated ( and thus it knows the inquiries are fraudulent ). Our credit is suffering as a result of this. 

**This is only happening with this bank, not other banks or lenders. ** Here is the most recent fraudulent inquiry by XXXX/Synchony, using identifying info. that is more than 10 years old : XXXX XXXX   Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
My vehicle was repossessed in XX/XX/XXXX. A complaint on deficiency was filed in the County Court of the First Judicial District of XXXX County, Mississippi against my grandfather, primary buyer and I the co-buyer. The Mississippi Statue of limitations on collecting on a debt is 1 year. A default judgement was entered on my grandfather on XXXX XXXX, XXXX. A writ of garnishment was issued against him on XXXX XXXX, XXXX. Due to lack of knowledge of the fair debt collection practices act notice, I did not fight the summons I received on XXXX XXXX, XXXX. Which would have surpassed Mississippi State of Limitations on collection on a deficiency claim. A default judgement was then entered against me on XXXX XXXX, XXXX. A writ of garnishment was issued on me on XXXX XXXX, XXXX.they renewed the garnishment on XXXX of XXXX. Fast forward to XXXX XXXX, XXXX my bank received notice to froze my accounts due to the garnishment issued in XXXX. My accounts became frozen on XXXX XXXX, XXXX. I was n't given any notice as to what was going on until my accounts was frozen. State law dictates I have 30 days to respond to the garnishments of my accounts before they will release funds to the courts. I have only been given 10 days to fight back. I am in the process of writing a letter to courts to file a motion to vacate the judgment due to the Statue of Limitations expiring before the summons to appear in court to fight the judgment.
I have fallen into a vicious cycle where I am unable to pay my debt and so it just keeps growing, and I now owe more than I take in each month. I called SoFi, a company with whom I attempted to consolidate my debt at one point to discus my options -- the original loan was not large enough to consolidate all my debt and I was unable to manage both sets of payments -- and they completely dismissed me. They said there is nothing that they can or will do. My payments are due when they are due and they will continue reporting my failure to pay to the credit reporting agencies. I have reached out over phone and email and expressed me desire to work out a plan in good faith, but they refuse to cooperate. How can one make any headway against such intractable and heartless disregard for the reality of my financial situation??
I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.
Bank of America wrongfully took {$45.00} from me. 
Money was wired in to Bank of America on XX/XX/2016. 
Bank of America returned the wired money, but wrongfully returned {$45.00} less than it received. 
Wire in and out tracking numbers : XXXX, XXXX.
US bank keeps reporting inaccurate information about an auto lease I had with them. The date of first delinquency was on XX/XX/2010 ( Please see attached old credit report showing the date of first delinquency. ) It has been exactly 7 years since the date of first late and this debt show no longer be reported. I have been submitting supporting documents showing the mistake but they keep ignoring my request to correct and now completely remove the account. US bank is doing everything and anything to delay the process and not remove this collection as they should. I have contacted US bank directly and submitted documents 4 times already and at least 6 times to XXXX. Every time it 's the same reply that the debt belongs to me and is not removed.
I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2000.00} and needed the extra money returned. What I did n't know was that the money was a transfer from XXXX account. Needless to say I am out {$1800.00} at this time. 
The amount was a Money Gram transfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.
Rausch , Sturm , Israel , Enerson & Hornik , LLC   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Maryland  XXXX  tel # :   XXXX   Fax # :  XXXX  They started garnishing 20 % from my salary in  XXXX  where i worked. They claimed that I owed   XXXX    Gold Master Card/ XXXX  the amount of {$13000.00}. I called them and spoke to   XXXX   XXXX   XXXX   and told them that this is not mine. I ask for all the documents pertaining the debts they claimed was mine.
  XXXX   XXXX  , 2017 I sent them the affidavit/  XXXX   XXXX    FRAUd Questionnaire, and called them almost everyday and always send me to an answering machine.
I called them   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   this week every morning and they just sent me to an answering machine. I told   XXXX   XXXX   to call me back and gave them my numbers. I ask them, why is it that they still garnished my salary even though they said they will investigate after receiving my Affidavit.
They already garnished {$650.00} from my hard earned salary.
I do not know what to do to solve this problem, they do not answer my calls but keep on garnishing 20 % from my hard earned salary. Please help me.