WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Sincerely, XXXX XXXX XXXX
I received a Debt Validation Notice dated XXXX/XXXX/2016 From XXXX XXXX XXXX for my loan with Wells Fargo Bank for property located on XXXX XXXX XXXX XXXX Ca XXXX. I disputed the debt validation in a letter dated XXXX XXXX, 2016 as result of Wells Fargo being in receipt of a check in the amount of {$4700.00} which they have held since XXXX 2016, a check which Wells Fargo Bank was directed to apply to the XXXX delinquent mortgage payments. 
To Date : Wells Fargo has not applied the monies to the account which I sent, moreover, they are not disclosing where the money is being held, yet they are moving forward with a foreclosure on the home, despite the fact the home is up for sale and it has been brought current within the last 6 months. 
I received a letter dated XXXX XXXX, 2016, from XXXX XXXX XXXX the attorneys for XXXX XXXX XXXX who informed that a Substitution of Trustee had been executed by Wells Fargo appointing them as the new Trustee, however, after a closer look at the document it fails to disclose who is being substituted out, there are additional flaws with regards to the authority of the substituted with this document. 
Please see the notices sent to me from Wells Fargo Bank regarding the delinquency of the mortgage loan, as I am on the Deed of Trust and the only one who has made been making the mortgage payments in for the last two years. My former Trustee was XXXX XXXX XXXX XXXX who 's entity number is XXXX who 's jurisdiction is in Texas : There is no mention of XXXX Default XXXX XXXX, in the Substitution of Trustee, however, Quality refers to XXXX XXXX XXXX XXXX as the entity who was the parent company ( XXXX ) who has surrender their corporate status. It appears to me that there are deliberate acts to confuse and to take the property which is in a predominately minority neighborhood.
I had to close a checking account due to fraud. Since changing to a new checking account I have had repeated instances of having checks declined by Certegy Check Services. I contacted them for a copy of my file to explain why they were being declined and the file states " This transaction fell outside of the guidelines Certegy has established for authorization ''. I called them and they threw responsibility back on the store - because they just advise. They were not able to give me any reason for the checks being declined. In addition, one check was declined and then a month later approved - same checking account, same person. They did tell me not to let this experience stop me from trying to write checks.
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to collect debt and I am requesting to have this removed from my credit report. In addition, they were unable to validate the debt.
I am a XXXX/American express ( AE ) credit card holder. I enrolled to AE true earning card to replace my XXXX AE card but I did n't activate it. AE said I can continue to use my XXXX AE card until XXXX taking over their business on XXXX XXXX. My cash reward with XXXX/AE will still accumulating. When I logon to AE account, it only showed my reward of XXXX. But after my XXXX XXXX statement, my cash reward is even no longer showing in AE monthly statement. I contacted AE on XXXX XXXX. They said they have system error and fixing it. And it still take 2 more weeks to fix it. Does it take 5 months to fix a software problem?? I 'm complaining about AE not giving me the cash reward back. I have my right to know where my cash reward go. Thanks.
I 've disputed XXXX XXXX XXXX on my credit report even sent in the police report and they still wo n't remove because I showed them it was fraudulent charges on the account and the account information was not correct
XXXX  credit card reporting incorrect information on credit report. Reporting debt owed is XXXX. 2017 income tax XXXX form sent with cancellation of debt balance {$1600.00}. Company is still reporting an incorrect balance. Debt has been filed on incmoe tax and penalty cost have been added to taxes, filed on my behalf as additional 2017 income. Please have company update all credit bureaus with accurate information immediately. Thank you in advance.
I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.
I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was Dispute Resolution Services. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a check into cash loan I got on XXXX/XXXX/XX/XX/XXXX. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house XXXX, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to XXXX, but XXXX is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact XXXX to notify them of this situation. She also gave me XXXX 's number to follow up with them myself. I called XXXX, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him XXXX voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " thousands of dollars in penalties ''.
I 've been a loyal Banana Republic cardholder for around three years, and have had a {$10000.00} line of credit. I have an excellent credit score ( above XXXX ) and have never had a late payment or any issues on other issues with my account with the exception of them consistently putting holds on my account for fraud when I buy items in towns anywhere other than my own ( despite repeated calls letting them know that I travel frequently for work ). In the last month I 've called them on multiple occasions because of issues I 've been having with their online payment system. The first time I had an issue their online payment system debited the incorrect bank account account. I filed a Reg-E claim with my bank, as the deduction was not authorized. A second instance of them attempting to deduct money from an account that was n't even mine occurred a week ago. I called them immediately and told them that the account was not the account I had selected for payment. I then went back into the online system and paid the payment in full with the correct account. Two days later my card was declined, and after calling I was able to determine that they had closed by account with no notification at all. They are also trying to invalidate more than {$300.00} in rewards that are rightfully mine. I 've never been treated so disrespectfully or seen such terrible customer service. In the entire time I 've been a cardholder I 've never made a late payment. They informed me that the issues I was having with online payments were my problem, not theirs, and have now hung up on me twice when I called to discuss my concerns. By closing my card with no notification they are not only impacting my credit but also put undo hardship on me and my family as I had pending payments that I was forced to try to correct before incurring additional fees.
XXXX XXXX XXXX stated that I caused or ALLEDGELY caused some type of " property '' damage to a neighbor. I received a letter from XXXX XXXX XXXX in the mail on XX/XX/XXXX 
On XX/XX/XXXX I email XXXX XXXX XXXX regarding the claim to the email address they had on file " XXXX '' I email them on the following datesXX/XX/XXXX XX/XX/XXXX ( Twice )XX/XX/XXXX I received a letter from JNR Adjustment Company ( Debt Collector for XXXX XXXX XXXX ) onXX/XX/XXXX. I called JNR Adjustment Company on XX/XX/XXXX @ XXXX XXXX 
XX/XX/XXXX@ XXXX XXXX 
XX/XX/XXXX @ XXXX XXXX 
I did not receive a call back from the company, so I XXXX the company name and owner XXXX XXXX and email him at XXXX onXX/XX/XXXX 
On XX/XX/XXXX, I received a call from XXXX from XXXX at JNR@XXXX He left a message and I called him back at XXXX 
XXXX called me back at XXXX. I informed him that the call would be recorded. XXXX informed me that he did not want to be recorded and immediately ended the call.
I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. 

THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. 

I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. 
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.
I have several Savings, Checking, Trust accounts, and a Secured Card at Wells Fargo bank. I transferred funds from one of my Wells Fargo accounts having over $ XXXX to the secure card. The card was paid in full. The next day at XXXX, I attempted to use the card and it was declined I contacted Wells Fargo all the way through to Executive management. They informed me that due to an overdraft fee ( for which I have already paid ) that they could not tell me when funds would be available. I have been caught in a bind with a card that will not work, for which I have paid for, which is secured with my own funds, within the same bank. What is my legal recourse.
False credit reporting and violation of FCRA, Toyota is reporting me currently 30 days late and I have been denied credit numerous times because of this and I can not get them to correct it. This loan was paid off in XX/XX/XXXX and yet it shows 30 days late on my XXXX Report. 


XXXX XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment Status 30 days late Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Closed Creditor Information TOYOTA MOTOR CREDIT CORP XXXX , GA XXXX Phone # : XXXX
XX/XX/XXXX I spoke with a representative @ Equifax to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XX/XX/XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine XX/XX/XXXXand Equifax keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.
My Capital One Card was charged various times by XXXX XXXX XXXX, the payments were placed on hold by Capital One then released and not shown in my available balance. My account was closed. Capital claims that too many returned payments was the reason why. I checked my statements and no payments were returned returned. In fact XXXX Bank confirmed that Capital One returned my electronic payments for {$170.00} and {$90.00}. I spoke with XXXX, a capital one rep, today with a Rep from XXXX on the phone. She confirmed that Capital One had my money on hold for the rental but couldn't explain why my balance was so high. The rep with XXXX confirmed that payments that Capital One received payments from me. My balance is reflecting a positive balance and not a negative one. You call there and get unprofessional agents that aren't based in the united states. XXXX stole money from me and fraudulently closed my account. When I tried to tell them my balance was wrong, instead of admitting that I was right they refunded my money and closed my account. I want my money that they stole from me. I want them to provide proof of returned payments. I have proof no payments they received from me weren't returned. Please listen to all phone conversations from XX/XX/XXXX until XX/XX/XXXX.
The Company FCO submit in my credit an amount of {$7700.00}, I called and they said that I took a Rental House in XXXX XXXX  at XXXX XXXX in NJ, But I never live in U.S and I can prove that Im a XXXX XXXX and they do a complete background on my identity, I also received many letters from other Collector like XXXX, XXXX, etc for utility bill that I dont know.
QUALITY ASSET RECOVERY has been contacting for a long time about medical bills that are not mine. I have been disputing these accounts for a long time. More recently, on XX/XX/XXXX, i disputed both accounts reporting on my credit. One in the amount of {$1500.00} and the other {$1000.00}. On XXXX XXXX, i disputed again after disputes came back verified. I asked for method of verification. I have not received any word or feedback. The times i have called them to dispute, they refused. The rep was extremely NASTY AND VERBALLY ABUSIVE TO ME AND REFUSED TO TRANSFER MY CALL TO A SUPERVISOR. AT THIS POINT I NEED THE DEBTS REMOVED FROM MY CREDIT REPORT AND ALSO ALL CONTACT FROM THEM CEASED DUE TO THE ABUSE I'VE UNDERGONE. OTHERWISE, I PLAN TO SEEK COUNSEL AND SUE THEM.
Enrolled in paperless billing. Was not billed nor called. Was only notified when my payment was 60 days past due. Brought account current immediately ; reported as delinquent to credit bureau one month later. Second issue with this loan servicer in one year. Difficult to reach the right people to speak with. Reps insist they can help and refuse to place you on the line with a supervisor. Will claim they spoke with one on your behalf. Should have paid closer attention when doing my research about ACS Education. My other loans are serviced by XXXX XXXX never had a problem.
Equifax reports my previous address from twenty years ago as my current address and refuses stop sending me a letter stating that this address, referencing my current address, has recently changed. Every year they send me this specific letter stating this change of address within the last few months.
Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, XXXX and Equifax. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
My wife and I have had a joint account in XXXX XXXX XXXX 's stock reinvestment dividend plan since XX/XX/XXXX. This month we were informed by a PG letter dated XXXX XXXX, 2016 that the Transfer Agent had changed from XXXX to Wells Fargo Bank , N.A . effective XXXX XXXX, 2016. We were given an authentication number and a new account number so that we could create a new e-account. However, when I signed into the Wells Fargo website, the legal language specifically wanted us to agree to binding arbitration and other legal wording which essentially would mean that we would have to give up our legal rights to contest any malfeasance by the bank. This is blatantly unfair to us and shareholders of XXXX and other companies. More importantly, it is undemocratic and a clear attempt by this bank to restrict the legal rights of small stockholders like my wife and myself.
Select Portfolio Servicing continues to violate my Fair Debt Collection Practice Act by submitting false information to Credit Reporting Agencies. SPS has not removed false degoratory comments on my credit report. These wrongful comments have adversely affected my credit worthiness and hampered my chances of acquiring new credit.