WillisBack/dataset-financial-user-claim huggingface dataset:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXXAlert Date : XXXX/XXXX/2015Source : EQUIFAXCompany : XXXX XXXXPayment Status : UNPAID ( UNPAID ) Status Date : XXXX/XXXX/2015Balance : $ XXXXXXXXBalance Date : N/AAddress : XXXX, WA XXXXXXXXThe information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, 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 hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. 
I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. 
Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. 
I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. 
I don't need to make any stories I am an honest individual which is why I am attaching all the documents.
There is incorrect personal information on my Experian credit report that needs to be deleted. 

Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. 

Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.
I was a victim of identity theft. Someone proceeded to rent an apartment and cable in my name at XXXX XXXX XXXX. I spoke with the NCC Business Services and all three of the credit bureaus to advise of this problem. I also made a payment to NCC Business Services just so I can have this removed from my credit report. They are still reporting a negative, remaining balance that does not belong to me. I asked for a settlement to at least attempt to have this derogatory remark removed from my credit report but have received no luck. When I tried to dispute with the three credit bureaus, I still had no luck. This derogatory remark is making it very hard to rent a home and affecting my credit report. I would like to have this removed from my credit report immediately. The debt does not belong to me.
I applied for a Home Depot credit card, offered and serviced by Citibank, to purchase {$420.00} of merchandise. In XX/XX/XXXX I received a collection call from Citi that my payment was late. I told them I never knew a payment was due because I didn't receive a statement. The collector asked if I would like to make a payment over the phone. I told him send me the bill, I will review the charges then make the full payment. I also asked if he can you waive the {$25.00} late fee. He agreed to waive the late fee once the payment was received and if I called back. There was no mention of when his promise to waive the late fee would expire. Shortly after our conversation, I received the bill and paid the entire {$420.00}. 

XX/XX/XXXX I noticed I had 2 late fees - one for XX/XX/XXXX and another late fee for XX/XX/XXXX. The second late fee was applied because my first ( XX/XX/XXXX ) late fee was not removed. I called on XX/XX/XXXX and they removed the most recent late fee, but stated they can not remove the original late fee because it was against company policy. After multiple hours ( combined conversations ) with several difference collectors, a  review of the original call log. They refuse to waive the fees that were a result me never receiving the original statement. 

I made the full payment of {$420.00}. The only reason I was charged 2 late fees was because I never received my first billing statement and because the original late fee was not removed.
The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.
I refinanced my rental property in XXXX 2015. In conjunction with the closing, I paid off my old loan, with Nationstar Mortgage, in full and on time. The payoff check was received at the Nationstar mail room on XXXX XXXX, 2015 ( per XXXX tracking ), well before the deadline to make a timely XXXX payment, XXXX XXXX, 2015. For some reason, Nationstar erroneously reported my payment as " late '', and I recently discovered my credit score was negatively impacted. 
I am now trying to secure a financing on a new home, but my credit score is preventing me from doing so. My attorney and I have contacted Nationstar 's customer service department nearly every business day for the last two weeks, asking them to write a simple letter stating I made all mortgage payments on time, I was never delinquent, and it was Nationstar 's error that led to my decreased credit score. 
I am currently in escrow on my new home, and every day that I can not secure financing puts me closer to losing my contract. I have begged Nationstar daily to write me the simple letter acknowledging their error, so that I can use it as evidence of my improperly dinged credit score, and try to rectify the situation. Despite the fact that it was THEIR error, and the fact that it is rapidly becoming more problematic for me, Nationstar claims it has no ability to expedite the processing of my complaint and " credit dispute '', and the customer service department will not connect me to anyone who has more authority or power to write the requested letter. More than a week ago, I was able to open a " credit dispute '', which the customer service representative told me would be the only way to get the letter I am requesting. Every time I have called since the dispute was opened, the representatives tell me I have to wait up to seven business days for a result. This is simply unacceptable! I may lose my contract on my new home because of Nationstar 's delay in correcting their error - an error I only found out about when I was refused financing on my new home! 
I am frustrated, disappointed, and increasingly disgusted by the lack of accountability Nationstar has exhibited, as well as its lack of sympathy for ( or even mere acknowledgement of ) the distress their error has caused me. I am poised to lose my contract on a new home because Nationstar has dragged its feet in the face of its SIGNIFICANT error.
Our car was totalled after we were hit by another driver. NOT Our Fault We Were NOT Cited. 
XXXX ( Our Auto Insurance ) Suppose to Pay off Vehicle. 
Vehicle is a XXXX Hyundai Elantra. Accident Happened in XX/XX/XXXX. 

TODAY is XX/XX/XXXX. OVER Six Months Later, Car Loan Still Not Paid.
RentDebt has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I CONTACTED BANK OF THE WEST IN XX/XX/XXXX TO ASK FOR A MODIFICATION OF LOAN TERMS, DUE TO A CHANGE IN CIRCUMSTANCES AND THAT BECAUSE OF THESE CHANGES I WAS NO LONGER ABLE TO MAKE THE PAYMENTS FOR THE ORIGINAL AMOUNT OF {$440.00} EACH MONTH. I SUFFER FROM SEVERE XXXX AND XXXX AND AM ON XXXX AND AM NOW CARING FOR MY MOTHER FULL TIME WHO IS ONLY ON SSA RETIREMENT BENEFITS. I PROVIDED THE DOCUMENTS REQUESTED BY THE LOSS MITIGATIONS DEPARTMENT OF THE BANK ALONG WITH MEDICAL DOCUMENTS AND WAS SENT A LETTER ON XX/XX/XXXX THAT ALL DOCUMENTS NEEDED HAD BEEN RECEIVED. THEN ON XX/XX/XXXX I RECEIVED A LETTER STATING THAT DUE TO INSUFFICIENT INCOME THEY WOULD NOT MODIFY LOAN TERMS, BUT THAT WAS THE ENTIRE REASON WHY I ASKED FOR THE CHANGE BECAUSE I COULDN'T AFFORD THE CURRENT TERMS. SO I CONTINUED REACHING OUT TO THE LOSS MITIGATIONS DEPARTMENT AND THROUGH OUT THIS PROCESS WAS INCLUDING LETTERS WITH PARTIAL PAYMENTS OF {$220.00} EACH MONTH AND WAS TOLD BY THE COLLECTIONS DEPARTMENT THAT AS LONG AS I WAS CORRESPONDING WITH LOSS MITIGATIONS AND ATTEMPTING TO MAKE PAYMENTS ON THE LOAN THE CAR WOULD NOT BE REPOSSESSED. THAT WAS NOT THE CASE AND UPON LEAVING TO GO TO THE DOCTORS THE VEHICLE WAS GONE. I HAD TO BORROW MONEY TO GIVE TO THE BANK AND TO THE REPOSSESSION COMPANY AND MANAGE TO GET MYSELF TO XXXX TO RECOVERE CAR ALL IN A MATTER OF DAYS. I AM STRUGGLING TO GET HELP FROM YHE BANK AND CONTACTED XXXX XXXX AT XXXX XXXX XXXX XXXX AND SHE REFERRED ME TO THE CONSUMER ASSISTANCE COUNCIL. I FILLED OUT A COMPLAINT FORM BUT HAVE NOT HEARD BACK. ALL I AM ASKING FOR IS TO CHANGE THE LOAN TERMS IN ORDER TO CUT THE REGULAR PAYMENT IN HALF. I NEED MY VEHICLE TO PROVIDE CARE FOR MY MOTHER, WHICH I HAVE INFORMED THEM OF. THE LOSS MITIGATIONS DEPARTMENT NOW STATES FILE IS INCOMPLETE BUT THE DOCUMENTS THEY ARE ASKIG FOR I ALREADY SUPPLIED TO THEM IN XX/XX/XXXX AND XX/XX/XXXX AND WAS TOLD FILE WAS COMPLETE.
On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you
I just realized that my credit score had dropped due to the company reporting my deb into collections. I want the company to take my account from collection into good standing
XXXX is an exchange of XXXX to USD and opposite. I have an account with XXXX in XXXX and in USD. My account got frozen by XXXX with no explanation or offer on how to resolve it resulting in the hold of my funds. I am not able to transfer or withdraw funds. I tried to contact XXXX but unsuccessful. They do not have any contact number to call. I have sent 6 e-mails to the customer support ( that is the only mean of contact they offer ) and got 6 generic responses like this : " Hi there, We are experiencing a high volume of requests but are doing our best to get back to you as soon as we can. Thank you for your patience. 

Onward & Upward, XXXX Customer Support '' This has been ongoing for over 2 weeks and I do need access to my funds. 

Please help!
On XX/XX/2016, I filed a 609 dispute letter with Experian via certified return receipt mail disputing the following items : XXXX Re : Acct # XXXX XXXX Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX I received a response dated XX/XX/2016 Re : Report # XXXX, stating that these items have been verified and will NOT be re-investigated. Despite my previous XXXX written requests, the above mentioned disputed accounts, these unverified items still remain on my Credit report with several inaccuracies between the XXXX bureaus. Experian has ignored my requests to provide me with copies of the documents that were used to verify the above mentioned items. Experian 's failure to delete these disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they have stated they have, and is also evidence of their willful disregard of Federal Law. Experian has clearly parroted information provided to them by other sources and shifted the burden back to me to contact the original Creditors which is clearly a violation of Section 1681 ( a ) ( 4 ).
This whole issue started when I lost my XXXX Costco card during transition period when it was switching to Citi Costco card. I called XXXX to report my card lost and they said there were some fraudulent charges, but because my account was transferring over to citi that XXXX would take care of it. So then the fraudulent charges transferred over to Citi Costco CC. I called citi to tell them what happened, its seemed that the solved the problem ... But now Citi wants me to pay for fraudulent charges ... This is not right at all. XXXX dropped the ball as well as Citi.
I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}. 

On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail. 

I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are. 

In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.
I have contacted the company and the bureau on several attempts. The accounts are reporting inaccurate on my credit file. I have no knowledge of these accounts XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX
I have disputed an error on my credit report with Experian and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Experian, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.
A credit card was opened in my name for Synchrony Bank/ Paypal XX/XX/2015 I believe this was opened fraudulently Incorrect address : The address used was an address where I had lived but did n't ever use. I only ever used my business address. 

Social Security number : the social security number used to open the card is not correct. 

Type of account : I was told that this was a business account. I would have used a tax ID to open this account rather than a social security number. Again, I would have certainly used my business address. 

Pattern : If you look at my credit report please note that every other line item is in good standing. The line item related to this credit card is uncharacteristic of the rest of my report. 

I have called Synchrony Bank to investigate the account. They are unable to give me much information. They are also unable to research any fraud as they have sold the account. 

I called XXXX XXXX who Synchrony Bank sold the account to and XXXX has yet to enter the information into their database and ca n't tell me when they will have record of my account. 

Right now no one can access my account and there is nowhere to investigate fraud or appeal the charges. I have no way of knowing when someone will have the information to be able to help me deal with this. I am hoping you will remove the line item related to Synchrony Bank and re-score my credit.
I received a judgement in the mail with the plaintiff as " Equable Ascent Financial LLC '' apparently the total amount I owe is XXXX. This is extremely disturbing as I have no idea where this debt has come from. I am currently purchasing a home and because of this judgment we will not be able to close escrow until it is payed off. I have been a victim of fraud in the past and this may be another fraudulent situation.
I have private and federal loans with  XXXX   XXXX  then  Navient.  When I was with  XXXX   XXXX  I requested to have my co-signer removed. They told me that if i pay on time f or two ye ars I can submit a request to remove my cosigner. When I complied I submitted my request and they told me they could not remove my cosigner because I did not make over {$60000.00}. Then I requested that to consolidate my loans in order to lower my interest but they said they do n't offer that service. Then I received a letter informing me that  XXXX   XXXX  is know  Navient. I calle d an complained that I did not agree, but they said they could do nothing about my request. A couple years ago I could not pay my loans for a couple of months and Navient improperly directed me into forbearance. I have the letters of the forbearance.
I have a unauthorized access to my Credit report by XXXX company. They are a unlicensed Credit reporting agency. I have previously requested proof of claim that was never provided. Request was made back in XX/XX/2016