WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Experian XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX- Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX7 + All Banks
XXXX XXXX closed account over 7 years old. 
Need to be removed
XXXX XXXX called me in XX/XX/XXXXwe made an agreement, funds were successfully made to them on the approved dates and they STILL added a derogatory mark to my credit report. Shady business practice damaging peoples credit even after payments have been made.
XXXX has continued to report these XXXX debts on my XXXX & XXXX credit report. I have continually sent request for validation to them and disputed the information with the various credit agencies. They continue to ignore and not comply with the request. The lack of compliance on their part is causing harm to my finances. I request that since they have not complied with these request that they stop anymore reporting of this line. And remove or delete it from my credit reports. So that I may not be burdened with this issue now or in the future.
I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO EXPERIAN.
My mortgage company is Lakeview Loans and I have called numerous and sent the finance company the proper documents and they refuse to correct my taxes.
Equifax continues to report a negative account ( XXXX XXXX ) on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing. 
I disputed this previously and Equifax responded with an inane response that did not address the issue I am disputing. I request that the CFPB instruct Equifax to either justify the erroneous reporting with documentation or delete this account as requested.
The debt has an agreement to be paid by paying XXXX dollars monthly until paid in full. I have been paying in good faith for over 3 years why are they still reporting it as a mark against me instead of reporting current in payments or something. I went into bankruptcy court to attempt to deal with my debt. Judge wanted me to pay at the time more than I could afford he wanted approx. XXXX monthly payments I could not cover that in XXXX since then I have paid all my debts or settled them. This is the last XXXX I owe. What can I do to encourage recovery to place a good faith report as I have done a good faith effort to pay in the past few years. 
?
I I went to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to have an exam. After a two hour wait, I saw the XXXX. I was presented with a application for credit at 27 % interest from CareCredit/Skynchrony Bank. I filled out the application but decided something was wrong and never had any work done. My visit was paid for by insurance.
It appears XXXX XXXX used the application as a scam to get money from CareCredit ( {$1500.00} ) claiming the work was done. Now I am getting bills from CareCredit for {$1500.00} as well as late charges for work never performed.
I have notified CareCredit by mail twice of the facts and instructed them to cancel the application, credit card, and not contact me again.
After two months they continue to bill me and add penalties. I fear they will damage my credit.
I made an extra payment to pay off the balance of a loan within an account of XXXX separate loans. I was current with my monthly payments and was explicit that I wanted to payoff that specific loan within the account. Although the student loan company, My Great Lakes, applied the extra payment as another regular payment monthly payment that went towards interest and prinocipal of the XXXX different loans in the acccount. So now I the loan that I wanted to pay off In full still has a balance and is accruing interest. Also, the monthly payment that was scheduled for XX/XX/XXXX is currently still " processing '' and therefore accruing interest.
I called to ask about the hold time for a cashiers check and was told it was XXXX business days. After making my deposit, I was told that it would be held for 8 days. This is an emergency because I need the funds immediately. Please help me.
We have made multiple large payments on our loans since 2016 and every single time we make a large payment - by phone - it gets messed up and split between all the loans rather than being put toward the principal of the loan as we told the person on the phone to do. We check the account a few days later and then have to call customer service again to get it altered which always takes another few days. Also, all of a sudden we are unable to make a large payment on just one of the loans because we have them all on the same statement. This was never an issue previously ( including just a few months ago ). I ca n't imagine your customer service employees enjoy working for such an awful company who just tries to swindle money from us every chance and dealing with upset customers all day when they ca n't do anything about it.
Please see the attached letters. 
I mailed a certified document package that contain a cover letter and XXXX - XXXX pages of what accounts to dispute, requesting the dispute processed that was used to verify the information, and if I owed the information, send me all the detailed document information to prove that the account was mine, why was it re-aged, and etc. on XXXX XXXX, 2015. XXXX Receipts are on the letters XXXX XXXX Equifax, XXXX failed to provide me written documentation to acknowledge the receipt of my requests and the methods used to verify the accounts, and documentation requested within the XXXX day time frame. If they could n't adhere to my requests, them, I expected each one of the bureaus to let me know and they did not. Each letter, attached, explains my request for the items to be removed due to not being in compliance and it contains copies of my certified mailed receipts. 
For the XXXX XXXX Account, it was a secured card and sent the account to XXXX XXXX XXXX for collections. After, I called XXXX XXXX and explain that the account was a secured card account, they used my secured deposit to pay off the account and corrected my credit report and sent a notice to XXXX XXXX XXXX to remove the account and also indicate that the account was paid. XXXX XXXX XXXX can no longer collect, therefore, the credit bureau was supposed to update/correct/or remove the account. I asked this to be done during my dispute and it was n't. 
Today, I called XXXX Equifax, XXXX to informed them that they failed to respond in the manner that I requested to inform me of receipt of the documents, the dispute process, and my other requests. They acknowledge that they have my cover letter and XXXX pages of requests. They also acknowledge that they failed to respond. Due to the XXXX EquifaxXXXX not being in compliance with the Fair Credit Reporting Act, I requested for the accounts to be removed. They told me that they can reinvestigate. I told them that they should n't have to reinvestigate because they failed to comply with the Fair Credit Reporting Act. 
Therefore, I am requesting for the items to be removed from my XXXX credit files as requested. I have spent many days and hours trying to get this resolved. I also have my mortgage loan processor trying to work on this and his processor which is XXXX XXXX. XXXX XXXX and the loan officer told me to contact you. 
To verify the status of each account that I disputed, I personally contacted each XXXX of the creditors on the list/letter and they indicated that they do not have me in their system, but, can not provide me with a letter because I do not have an account with them. The credit bureaus claimed that they contacted the creditors. I know that they did n't investigate like they should have, because, XXXX was done in XXXX days. The customer service representative told me this. I have plenty of documentation to support this and I will seek to file this in court and seek damages if this does n't get taken care of through your organization. 
Thank you! 
The reason for the disputes is because I 'm trying to buy a home and needed my report to be cleaned up.
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX Student Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Docket Number : XXXX XXXX Department of Court Records, Civil/Family XXXX-County Building XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX Case Number : XXXX
They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role.
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with Capital One or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX
I have filed a dispute with Equifax regarding inquiries that I did not authorize nor have any knowledge of. I contacted the creditors shown on my report and they advise me to contact the bureaus to get it removed. I attempted this multiple times with the most recent attempt being on XXXX. My confirmation number was XXXX. The inquires I disputed were as followed : XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXXk on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these inquires are made unauthorized. I have attempted to contact the creditors and get told to contact the bureau directly to have it removed. These inquires are holding me back from moving forward with my credit. I have filed as a victim of identity theft with the federal trade commission. I am attaching a copy of my credit report showing these inquires as well as my identity theft report.
With regard to the Data Breach at Equifax I was wondering if you could confirm a few points?

1. Does Equifax have to notify every persons whose files have been compromised?

2. Does the fact that Equifax made a public announcement negate their responsibility to notify individuals.

3. I believe my Data has been compromised ( using the Equifax website to check ), does this now give me free access to the other two Credit Reporting Agencies for a year?
I have debt cancellation XXXX but XXXX in trying to collect on the debt I have faxed documents to for of XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX no resolve I was contacted and told by an advocate from XXXX that she would review and get back to me this was XX/XX/XXXX no response XX/XX/XXXX I contacted the advocate i received an email to confirm the email was received
Hello, my Name is XXXX and I am a XXXX with the Wells Fargo. I have been contacting many different numbers to resolve my issue but nothing is happening so I would like to resolve it directly with someone that can possibly help me. 

About a week ago my brother came in to Wells Fargo to withdraw money from my business account ( XXXX ) not knowing that the money was taken out of someone else 's account we continued to do business. Yesterday morning ( XX/XX/2016 ) I walked into a bank to withdraw cash again and find out my accounts have all been closed out. Further investigation my accounts have been placed on hold and I am unable to withdraw the cash. I tried to figure out what the problem was and got no answer. About 3 hours later I receive a phone call from the same Wells Fargo location that accidentally made the wrong withdraw from an account and asked me to transfer XXXX to my XXXX business account because they took out XXXX and reimbursed the account that they originally took out from. 
Now putting these XXXX things together I am getting the assumption that Wells Fargo has closed out my account because of a mistake the associate made and not myself.. 
I am unable to pay my associates and as we 'll continue with business since my account and money is on hold until XX/XX/XXXX. 
I always kept my accounts in good standards up until this incident!
I am replying to the request for Santander Consumer USA to remove credit inquiries from my credit report.
keep calling me saying I took out a second mortgage in 2001, amount is {$73000.00}, i NEVER TOOK OUT A SECOND MORTGAGE OR ANY LOAN, I have been on XXXX since 2001, they are telling me it is on my credit report, it is not on there, they say they have a notorized signature for me. Never received anything in the mail like they said, said they sent several notices, never got 1.This is a scam! 
I have read hundreds of complaints on them on the internet doing the same thing!
I have disputed the late payments XXXX XXXX XXXX account with the credit bureau . I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I attempted to view my credit report for the first time and entered my information to receive my report from all XXXX, Experian, and XXXX and in each case, they were unable to process my request because the information I entered does not match the information that the credit bureaus have for me. I know my information is completely correct as it has never changed and I ca n't view my report to see if something is wrong because my information with the credit bureaus is incorrect. I have only had one address, I have no debt or assets, have never taken out a loan or used or gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been a victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
On or about XXXX XXXX, a complaint was submitted to transunion related to XXXX XXXX reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, XXXX took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX XXXX bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. XXXX BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO XXXX BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND Transunion is only helping them by checking in or providing the proof on what the company 's trying to defraud customers about.
I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 Equifax received dispute letters in regards to inquiries. Their response on XXXX XXXX from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
although I paid the collection, I realized I NEVER had a contract with the collection agency. so im promptly that this collection be removed from my credit reports
Navy federal credit union, refuses to release my fund 's. She called me out of my name. Very rude to me. I just want ti close my account and be done. ]
XXXX XXXX XXXX has been reporting since XXXX that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a Foreclosure. I am trying to refinance my current mortgage and ca n't because this is on my Experian credit report. XXXX and XXXX credit reports are correct. I have contacted XXXX XXXX XXXX on numerous occasions and Experian and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe XXXX XXXX XXXX and Experian are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX
Calvary Portfolio Services has re-aged the debt for   XXXX   XXXX   XXXX   and reporting an inaccurate amount of {$650.00}. This debt has surpass the statue of limitation. This has caused damage to my credit over many years. The payment status on my   XXXX    credit report is listed as " Refinanced or Renewed '' The original creditor is   XXXX   XXXX   Nevada the date of m y 1  st late p ayment is well ov er 7 yea rs. Calvary Portfolio is using illegal collection practices.
XXXX, XX/XX/2018, XXXX, TX XXXX XXXX called me with a spoofed number to look similar to my own area code. XXXX ( or whatever her name is ) disclosed my information without even verifying my identity. Then proceeded to state she would keep calling and continue to call. She mention that XXXX was the second collection agency handling the case.