WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding erroneous item Carecredit/XXXX XXXX_acct XXXX reported by XXXX XXXX  to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX is reporting this account as " Collection '' when they have not legitimate claim, and has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. Synchrony refers to " Care Credit '', which is a debt that was satisfied two years ago, assumes they are one and the same accounts. Synchrony has most recently communicated that they have terminated collection efforts on the account, but will continue to report activity on it, which they have not right or claim to do. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX  has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Citibank Closed two of my credit cards without giving me any reasons, this is totally nonsense and baseless to close a loyal customer credit who is your customer from last 5 years, doesn't make any sense..

I just received this letter on XXXX XXXX, 2018 that my two of my Citibank Credit Cards ending in 'XXXX ' and 'XXXX ' are closed because I misrepresented one or more billing disputes, doesn't make any sense to me.

First of all, I did not misrepresent any of the billing disputes, if I did, why did they approve it?

This is completely Non sense.
Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.
I have a Bank of America preffered checking account. I deposited a check ( from my XXXX checking account ) into my Bank of America checking account on XX/XX/2019. The bank has placed a hold on my check deposited until XX/XX/2019 ( for about 8 business days ). Their policy says they can hold my deposits for 2- 5 business days ( on their mobile app and their website- link below ) and upon calling they said it is upto the bank how many days the hold is for and they said their new policy is to hold deposits for 7 days. There is no policy document that I have from the bank that says that they can hold my money for that long that the bank made available to me. 
They said on the phone that since the deposit is from a new account they can not release my money. Their policy does not state anything like that. 

https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/
FORD Credit has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
The CRA is reporting false information about a XXXX XXXX account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.
have police report back since 1999 someone stole my id ftc violation i'm stilling paying on the other person act
This complaint is related to Case number : XXXX. I would like the Loan Service Provider to evaluate my Loss Mitigation Application based on the updated 6 monthly Profit and Loss Statement. Details below. 

Dear CFPB : RE : Correct 6 month Profit and Loss Statement and Request for Incorporation of Correct Income in Evaluation of Loan Modification of Loan # XXXX ; Based on the response and the updated six monthly accounts submitted by my business accountant, I want to submit to RCS the correct updated half year 2015 Profit and Loss Statement for my business. 
The Loan Service Provider XXXX RCS XXXX decision dated XXXX/XXXX/2015 is attached. I would like to appeal RCS ' decision based on the updated half yearly 2015 Profit and Loss Statement attached. This appeal is being made within the stipulated 30 day period from RCS ' initial decision as required. 
I have sent the Updated Information and Appeal documents to RCS XXXX attached here in as PDF ) via registered mail and fax following RCS ' decision to reject my Loan Mitigation Application based solely on a preliminary and outdated Profit and Loss income amount. 
Please ensure RCS updates this information and is notified through your office that I have appealed their decision and asked them to update this information and requests them to make a decision based on the updated information. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Equifax Credit bureau dispute dep. has been very negligence in regards my report, I have file a dispute several times for the same item-record and they have give me the final reports as : accurate that belong to me. 
I have been disputing a bankruptcy that it has been reporting since XXXX XXXX in credit report from XXXX and Equifax. 
XXXX did their investigation accurate and realize that this bankruptcy belongs to a different person altogether and they deleted the record from my credit report. 
But Equifax have NOT, I file a dispute several times and the investigation Department send me the final report as ; " We have reviewed the bankruptcy information, XXXX the results are : We verify that this item belongs to you. Additional information has provided from the original source regarding this item. if you have additional questions about this item please contact : CA XXXX Bk CTXXXX, CA XXXX Phone : XXXX. 
Than I listen to them and Contact the Bankruptcy court. My finding is that this record was file by XXXX of my family members with similar name but big age difference, I am XXXX years old and the family member that file bankruptcy is XXXX years old and he has his SS # written in the forms very different than mine. in my last dispute I send equifax the copy of the bk file showing the similar name, same address, different SS #, I point out all this differences to them, the DOB big age difference, and they still send me the results describe above. I do not know what to do anymore please can you intercede for me I need my credit report accurate to continue with my life and good credit. Thank you
Ex  perian is listing 11 incorrect addresses, 2 accounts I have never heard of, 2 inquiries I did n't do, a spouse/co applicant name and somebody else social security number on my credit report. Their so called investigation still left these fraudulent and erroneous items on my credit report. I am writing you asking for help.
Below is the erroneous and fraudulent information they have listed on my credit report that needs to be Removed  .     Addresses : 1.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  2.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  4.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  5.   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  VA  XXXX  6.  XXXX   XXXX   XXXX ,  XXXX   XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  ACCOUNTS :  XXXX . Account Name :  XXXX  ACCT #  XXXX  2. Account Name :   XXXX    XXXX  ACCT #  XXXX  SPOUSE OR CO APPLICANT :  XXXX   XXXX  INQUIRIES :  XXXX  DATE :   XXXX   XXXX   XXXX       XXXX   XXXX   DATE :  XXXX   XXXX    XXXX   SOCIAL SECURITY NUMBER THAT IS NOT MINE :  XXXX    I read this weekend that a credit report is to be 100 % Accurate and timely. Well thanks to Experian putting 11 incorrect addresses, 2 incorrect accounts, 2 inquiries I did n't submit or give anybody to submit on my behalf and Experian putting another person social security number, my credit report is not close to 100 % Accurate.
Experian has failed in holding up their end of the FCRA, please have them remove the above listed fraudulent, inaccurate and erroneous information from my credit report.
Bank of America allowed a breach of security on my XXXX credit card which lead to fradulent purchases on said card. After I reported the fradulent activities BOA closed out the account and issued a new card. 

I attempted to activate new card and BOA refused to activate said card based on questions they claimed were public records but had absolutely nothing to do with me or shared any relationship with me. I requested BOA to provide the source of where they were obtaining the wrong information so the consumer could correct and not be subjected to there methods and BOA refused to provide the source and refused to activate said credit card. 

I also asked BOA to use other information to provide security clearance to activate said card BOA refused. To date card is not activate. This is so insulting on many levels because the only way someone could have gotten a hold of my credit card number is thur BOA. I never used said card and card has never left my home safe. For BOA to now treat the customer in this matter is unfair deceptive business practice.
I filed a dispute with XXXX in XXXX 0f 2017 on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with Transunion the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX working my way up to a over XXXX score and all of a sudden my score has dropped 50 points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties
I signed up for a promotional offer for a Citigold Checking account with Citibank XX/XX/2016. The terms of the offer were to fulfill {$1000.00} in debit purchases and XXXX separate bill-pays in two consecutive months within the first three months of account opening to receive XXXX AAdvantage miles 90 days after the promotional requirements were fulfilled. I fulfilled my requirements on XXXX/XXXX/16. 

Long story short, after battling with Citibank about the promotional offer being attached to my account or not, I 've since received two explicitly written letters confirming that I was indeed enrolled in the aforementioned promotional offer and would receive my miles by XXXX/XXXX/16. I still have n't received the miles, and the executive office told me today, XXXX/XXXX/16, that I would n't receive the miles for another 60 days.
TODAY XXXX WHILE GOING OVER MY CREDIT REPORT I SAW SEVERAL ACCOUNTS A ADDRESSES ON MY XXXX XXXX, EXPERIAN, AND XXXX  REPORT THAT DO NOT BELONG TO ME. MY DATE OF BIRTH WAS WRONG AS WELL. THERE WAS SEVERAL PHONE NUMBERS LISTED THAT DO NOT BELONG TO ME. THERE WAS ACCOUNTS WITH THESE COMPANIES NEVER DONE BUSINESS WITH THESE ORGANIZATIONS.XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I AM UNABLE TO RENT OR BUY A HOME NOW WITH THESE UNRECOGNIZED ACCOUNTS ON MY CREDIT REPORTS. 
MY CURRENT AND ONLY ADRESS IS XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
They were sent a certified letter in regards to the account. Sent me a letter back stating it was not my account so they can not talk to me about it. So therefore it should not be reporting on my credit report. All correspondence is attached
collection debt from A1 collections service for {$42.00} #  XXXX  and {$150.00} #  XXXX  both are result of fraud unauthorized services
Equifax is the XXXX XXXX. You do n't get to be the reason credit information gets stolen and also charge people XXXX $ to free their credit! This is madness!!!
I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, Equifax and XXXX  are reporting things against me they can not substantiate. 
What can I do?
It is with great frustration that I am submitting this complaint. I have requested a loan modification twice with SunTrust to no success.. I am definitely not accepting their decision. They do not want me to appeal the denial. 
I feel their decision was based on incomplete or un-reviewed information. 
They have send me a list with various option indicating eligibility and ineligibility. I want my house. I am not accepting a deed in lieu. Why can they work out a plan that will allows to remain in our home. 
They have not consider the circumstance beyond my control. I was diagnosis with XXXX.. I was unemployed for a long period of time I had no other recourse than to request a work out plan from SunTrust Mortgage.. Refinancing not an option at the time. 
Our mortgage balance is more than what our home is worth. This situation cost me my job. 
Shortly after my personal life was like a turmoil.. It came down to where my wife and I separate it for a year due to this horrific situation. We have let Santrust know that thy have not helped us or done anything to help us. 

She now has returned home and contributes XXXX % to our household expenses We want to maintain our home. I really will like Sun Trust to consider my request. I have file an appeal. I have send all the documents required for a review. My wife " s income was higher for the year 2015 and will continue.. We are confident that we can take care of this mortgage as long as Sun Trust adjust my principal and interest and extended the terms of the loan. Please note that we are not looking to ignore our responsibility. Please help us out.
Both my husband and I have been put on XXXX in the past couple years, we lost a good portion of our income and are paying a outrageous amount for health insurance. We were in the process of getting a home modification loan through XXXX XXXX XXXX when they sold our loan to Seterus. We are behind our mortgage for the months of XXXX XXXX XXXX, we have been bombarded with foreclosure notices from both XXXX XXXX XXXX XXXX Seterus. We have researched the reputation of Seterus and it appears that loan modification loan approval rarely happens.We would like someone on our side, we ca n't afford a lawyer, but it would be nice to have someone watch and make sure we are n't taken advantage of and lose our home.
I closed my account with best buy back in the spring of XX/XX/XXXX and paid what little I owed. I never heard from them until XX/XX/XXXX a statement that I owed them XXXX for late fees but there were no charges on my card. I called best buy and informed me I did not owe late charges and they could not tell me what the late charges were for since I cancelled the card in the spring of XX/XX/XXXX. I called the bank that manages the card Citibank I told them I canceled the card in the spring XX/XX/XXXX they said I closed the card in XX/XX/XXXX. I received another letter from Citibank about fraud I called them told them I cancelled the card around XX/XX/XXXX the young lady told me it was closed in XX/XX/XXXX. She did not help me much so I called Citibank again and talked with another lady. I asked her when did I close the credit card she told me it was XX/XX/XXXX. It is evident that neither Best Buy or Citibank knows what they are doing. I did not owe them the XXXX charge that I paid. I want to report this so it does not happen to some one else. I will never do business or my family with Citibank or Best Buy ever again!
I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). 
All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.
Equifax was hacked and my information was compromised. I attempted to place protection on my account but was unable to do so. My cred report and any related information has been affected.
While checking my personal credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/XXXX on Equifax. I did not authorize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ) multiple times. 
They were not legally entitled to make these fraudulent inquiries. 
This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiries immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX/XXXX/XXXX in case it is needed to locate the fraudulent inquiries in their system.
On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.
OneMain 's response to my previous complaint to them is unacceptable! They stated that the credit bureaus don't allow them to delete credit inquiries, knowing FULL WELL that the credit bureaus MUST BE NOTIFIED BY THEM to delete credit inquiries! I have ALREADY disputed these inquiries with the bureau ( they're only reporting with XXXX   ) and the keep coming back TELLING ME TO CONTACT THE CREDITOR/COMPANY! So NOBODY is responsible??? I NEVER did ANY inquiries/applications with you all! Where's your proof??? I will repeat what I stated in my previous complaint : There are three hard inquiries that are illegally reporting in my XXXX  credit file for OneMain /  OneMain Financial. My XXXX  was dinged on XX/XX/2017, XX/XX/2017, and XX/XX/2017 ; two have XXXX area locations and one has the corporate XXXX, IN, location. None of these inquiries have permissible purpose to be reporting in my file. Permissible purpose is pulling for employment, court order, insurance, or includes a firm offer of credit. The inquiries do not fall in any of those categories. I do not have any accounts with OneMain and never have, nor did I apply. Moreover, I called them yesterday and both a local rep and a national rep said that all they see in their system are two RECENT inquiries attached to FLORIDA locations, of which I also have absolutely no clue about. I gave them my social security number to check their records. PLEASE NOTE : I repeat, OneMain does not even have record of the three inquiries reporting in my XXXX credit file. They need to be deleted immediately. I gave the dates and locations of the inquiries to both reps and they said that all they saw were the two RECENT inquiries. I was given reference numbers for those : XXXX and XXXX. They ALSO need to be deleted, especially before these rogue inquiries reach any of my credit reports. I had previously disputed the three inquiries twice that are in XXXX, so what all this means is that the so-called investigation XXXX  and/or OneMain Financial did both times was completely nonexistent. I will be filing a separate complaint against XXXX.
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
When I was young in the XXXX just starting out in XXXX I bought a car using Consumer Portfolio 's as the vehicle loan owners. Not shortly after buying the car from a shady car dealership I was in an accident. The car was totaled. I arranged for the insurance company to look at the car after I came back from a shorty underway on our ship. I returned to my car being gone and I was told by the towing company that the dealership picked it up. I called the dealership and asked for it back because I wanted the insurance company to look at it and be able to pay it off. They said that it was given to CPS and that they did n't have it anymore. The dealership laughed and laughed while I was on the phone begging them for the car back so I did n't get stuck with a loan and no car. I contacted CPS and they stated they never had the car and that I did n't have insurance. I stated that was n't true I made payments to geico that was set up through the dealership. They stated there was nothing I could do or prove. I continued to pay for this loan throughout my career until I had a son and no longer could afford to pay for a car I did n't have. Now in XXXX, they still call and harassment for an amount on this car I have n't seen or had. They could n't tell me what happened to the car. After years of dealing with this company they finally pull a story out of no where about the car and how it was all my fault. The dealership was shut down and no one there to give me answers. They harass me and try to get my address over and over and threaten to take me to court or take my taxes. They continue to report this on my credit even though its well past six years and they no there records are wrong. How does my amount of how much I owe them continue to go up. I get calls late at night sometimes from a weird number and answer and its them. I 've spent all of my XXXX career trying to fix this issue, as I know they took the car so the insurance company could n't do a pay off and if indeed my insurance was n't paid for I know this company worked hand and hand with the car dealership XXXX to do this to me.
Is any way can resend me letter debt. So I can pay right way? I need to know why my credit score went down from XXXX? I have already paid this debt.
I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.