WillisBack/dataset-financial-user-claim huggingface dataset:
I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
Dear CFPB, first of all I want to thank you for following up on my previous complaint. I very much appreciate that a bureau like your exists and are here to help us! 

My complaint isn't of the gravest sort, rather an annoyance : the last months ( about half year ) my mail box have been FILLED to the brim with credit card commercials, pre approved cards ( actual plastic cards ) and fake advertisement where the banks write things like " URGENT RESPONSE NEEDED '' etc, and I just after having wanted a lot of tie reading through everything start realizing it's just fake ads and not anything dire or urgent at all. The main issue with all this ( apart from being incredibly rude, annoying, bad for the environment and the whole feeling of these money grabbing half criminals trying to trick me and everyone else into signing up for cards that we will loose on and they will get our money from ) is that they fill up my mail box so I can't receive other normal mail like my bills. I travel a lot and sometimes when I come back, I literally find my bills and postcards and packages underneath the mail box, because my mail box is so full of these fake ( and what i assume are pre approved real ones even! It's horrendous ) credit cards. 

I have previously had a long battle with XXXX XXXX about this, where they kept bombarding me even though I wasn't and never had been a customer of them and I kept calling to complain and ask them to stop. After I contacted CFPB they FINALLY have stopped now, it's so awesome to go to the mail box now - but only for a short while. because now two new companies have started : XXXX and XXXX. I have already submitted a complaint about one of them and will compete another on the other after this complaint. 

You see, I have found out that I need to go to the source of the problem : the credit companies, XXXX, Experian and XXXX. As far as I understand, it is THESE three companies that share ( or sell??? I wouldn't be surprised if they actually earn money on doing this.. ) my information WITHOUT my consent. So, today I am reporting all three of them, to hopefully have this harassment ( yes, that's what i will call it ) come to a final end. 

Again, thank you so much for taking the time to look into this, I really appreciate it so much! 
( Also : a tip about how these issues could be solved : In XXXX, where I grew up, we have an official sticker from the government that we can stick to our mail box where it says that they are not allowed to leave commercial in our mailbox. It is respected and everyone follows that rule in XXXX, so if you don't want offers, you won't get them. Pretty much everyone in XXXX has those stickers on their mailboxes, because who would want to be harassed like his?! Works like a charm! I wish there was something like that here too.. ) Have a wonderful day! All my best
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, XXXX and Experian ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent XXXX
Creditor Contact Details XXXX/PAYPALCREDIT XXXX XXXX XXXX XXXX, MD XXXX XXXX Not sure what this is! Expecting fraud and will like to dispute anything from this!
-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called PORTFOLIO Recovery Associates XXXX 
-After investigation, I found that Portfolio RA bought a false debt from XXXX bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, Portfolio ruined my good credit history by sending invalid claims to the major credit reporting agencies.
On XX/XX/2018 I received a check from XXXX XXXX and XXXX XXXX for {$15000.00} I  took the check to my branch office of CHASE Bank located at XXXX XXXX XXXX, FL XXXX. Ph # ( XXXX ) XXXX I was informed by teller # 3 that a 1 day hold ( Friday XX/XX/2018 ) would be placed on the check funds but the funds would be available on Saturday XX/XX/2018. 
See attached copy of check deposit. 
On Saturday XX/XX/2018 I checked my Chase Bank account online to verify that my check funds were now available. My Chase Acct shows an available balance of {$15000.00} See attached screen shot. 
Seeing that my Chase Acct had the funds available I proceeded to electronically send out payments to various businesses 20 in all for various amounts. 
After this I went to my local Chase Bank branch identified previously. I was then notified at the branch ATM that my funds were not available for removal. Seeing this I then went inside the branch to have them check on the status of my ATM card. The teller notified me that my ATM card was not on HOLD and then she tried to remove my requested funds. This is when the teller was notified me that there seems to be something wrong with my Chase Account. I was handed off to a personal Chase Banker, XXXX XXXX who contacted Chase Fraud Prevention located in XXXX, XXXX XXXX where I talked to XXXX XXXX Operations Supervisor. 
XXXX XXXX stated to me that my entire account was no on a FREEZE for the next 5 to 7 Days. I asked XXXX XXXX to explain why my entire account was to be placed in a FREEZE Status? XXXX XXXX stated that since there was no phone number on the check so that she could verify the person who signed the check was aware of the check. 
I asked XXXX XXXX if Chase Fraud Prevention would make available {$200.00} to me in compliance with Federal Banking Regulations? XXXX XXXX said " NO ''. 
In my entire life of XXXX years I have never been contacted by any bank to verify that I signed a check issued. 
I contacted XXXX XXXX XXXX, the bank that the check was issued from and asked them about the check from XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX informed me that the check was honored and paid on Friday morning XX/XX/2018. 
This is an ongoing issue with my Chase acct currently on a FREEZE status. 
I want to file a Formal Complaint against Chase Bank a subsidiary of JP Morgan Chase and Company.
Citi promised me XXXX XXXX XXXX miles for opening a new checking account, spending {$750.00} in the first three months, and making bill payments in two consecutive months. They said the rewards would post within two billing cycles. It has now been two billing cycles, and the rewards have not yet posted, despite me meeting the requirements.
I filed a complaint against this company with the CFPB regarding a charge on one thier Home Depot credit card products. After filing the complaint i noticed that they had reduced my credit limit from {$5000.00} to {$4000.00}. Since my credit is in good standing and I have never even had a late payment, i would have to reason that the credit reduction is a result of my filing a complaint with the CFPB
Hello, I called AmEx today XX/XX/2019 and asked to cancel an account. The account has a zero balance. After validating my identity and the account in question, the rep asked a series of personal questions about future spending habits and travel plans. I asked the rep to just close the account. The rep responded that she has a script she needs to follow and can not close unless I answer these questions. When I refused she said she could not close the account. I asked to be transferred to another rep but the same thing happened. She also refused to close the account unless I answered these personal questions. I then asked them to immediately close the account and hung up. 

There is an annual fee on the account that will be charged in a couple weeks so I want it closed now before that happens.
I have been contacted regarding an account for a debt that is not mine by XXXX, representing Jefferson Capital for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, XXXX/ Jefferson Capital committed the following violations of fair debt collection practices : 1. Representatives from Jefferson Capital, XXXX, or XXXX contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over XXXX XXXX XXXX. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from XXXX repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - XXXX also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with XXXX insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over XXXX XXXX XXXX to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over XXXX XXXX XXXX. 
These issues will be reported to the consumer finance protection bureau. Any further
In XX/XX/XXXX I made a large payment to my student loan. I continued to make payments up until XX/XX/XXXX when I received a threatening phone call ( as well as my sister, best friend and father who have nothing to do with the loan ) that if I did not pay {$4000.00} by the end of the month, I would be sued. I was at that time told by the representative from Navient that my loan was in default and none of my payments since XX/XX/XXXX had been applied to my loan. At that time I pulled up all of my account records and bank statements which showed nothing that indicated there was anything wrong with my account and they had pulled the money from my bank. I contacted an attorney at that time as they have not stopped harassing me or my family and refuse to answer where my money has gone.
Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX. 
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back..
Represented themselves as a known insurance company online, was not aware until apetwork came in the mail.
In XXXX of 2018, I made arrangements to lower my student loan payment through Navient. They agreed that I could pay {$68.00} for a year and then have my payment reassessed. I paid them {$75.00} and waited for my next bill as instructed. The next month my bill was like {$250.00} dollars and they said no payment went through but my bank said it did. They refuse to honor the agreed upon payment of {$68.00}. Navient also calls obssessivly. They will call my cell phone 5 to 6 times a day and my land line at least 4. It is always a recording and reaching a deal person is difficult. Last time I tried calling I was in gold for 20 minutes and just hung up.
I was co-borrower on XXXX mortgage. 
1. Loan was charged off after only being 61 days late 1 time. never missed payment before or since. 
2. paying back same mortgage co after c/o kept paying never knowing of charge off until we ran credit report. 
3. Real issue here is how unfair it is that mortgage co can report it as co then show every month as being late when i am in fact paying them every month as agreement. This kills my payment history. My payment history was reporting 100 % up to the point i started disputing a couple of things. i assume this is legal reporting however it is double kick XXXX. I understand as long as i have a balance they can show i missed the monthly payment??? but my agreed upon payments go unreported!!!! 

4. During tough time i also owed state of Ga XXXX that i called and told them to keep my return which it took 2 years of returns to satisfy the debt. I found out after credit report i had a tax lien on property i did not even own ( irrelevant ). i paid the debt in full. The federal IRS has a fair act forgiveness program that will allow you get it removed from you credit report however states do not. I have written all XXXX credit bureaus requesting removal and only XXXX removed. XXXX and Equifax basically said go pound sand. If they have ever removed one for any other person just by a written request then this is unjust and unfair. I am attaching a paid in full letter. i worked very hard and paid off all old debt in hope of improving my score. I got it to XXXX and then without changing a single thing filed a few disputes then got punched in the gut by it dropping over XXXX points. inflating your credit score due to buying their advertised products is unfair but i am forced to do it. you are welcome to check my past and current credit history and you will find perfection for 15 or the last 16 yrs and atonement for that 1 yr however due to unfair practices i look like a bum.
I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.
The only borrower for a loan died - his estate ( being handled by his step-son ) is trying to sell this home through a short sale because the loan payoff exceeds the value for the home. 

The loan servicer, Ocwen, is demanding that the executor assumes the loan to proceed with a short sale. Why would someone, who is not legally liable for a delinquent loan which exceeds the value of the underlying asset, assume it? This is bad!
I was denied Mortgage Loan Modification many times over the past 4.5 years. Every time they gave a different reason. ( They even CLOSED my file on numerous occasions ) citing " NOT RECEIVING THE DOCUMENTS '' ... .so my file did n't even make it to a reviewer.. 
I started sending the documents to a mediator, to their lawyers and also to them directly. ( Since doing this they did not tell me that the documents were not received anymore ). 
In earlier XXXX, they sent me a letter saying that they approve my modification request - the letter was dated XXXX XXXX. 

At approximately XXXX on Thursday XXXX XXXX, I received some documents from the Mortgage lender outlining the terms of the " modification '' ... ..which, if I were to sign, would eventually put me in a worse situation that I am in currently. ( They want me to sign and return the documents by XXXX XXXX ). 
They are trying to put me in a 40 year adjustable/variable rate mortgage which I think is real unfair business practices. 
Please investigate for me and if possible point me to an attorney who may be able to assist me with this .... 
Thank You
XXXX XXXX ( sp ) called me at XXXX with the threat that this would sent to a legal team if I did not call him back by XXXX. I have never received any letter about this debt I need information not threatening calls which violates my rights. XXXX XXXX was very hostile towards me on this call.
Hello, according to https : //www.equifaxsecurity2017.com, I believe I am a victim of the XX/XX/XXXX Equifax data breach ( announced XX/XX/XXXX ). I have never personally signed up for their services ( i.e. getting a credit report ) but I have had credit reports done because I have applied for student loans, apartments, and credit cards so likely one of those used Equifax to check my credit. On XX/XX/XXXX, I checked the equifaxsecurity2017 website to see if I was impacted and it said I was potentially impacted ; however, I have not signed up for their free credit report service offered. 

So far, on XX/XX/XXXX, I have put an initial 90 day fraud alert via XXXX and checked my credit report via XXXX via XXXX. I will be putting a security freeze on my accounts, including via Equifax, either later today or tomorrow. 

Equifax has mishandled my information, and many others, which had put millions of people at risk. This is especially aggravating since I have never personally used any of their services and did not choose to do business with them. So far, I am extremely disappointed about the ways they 've handled the data breach ( taking one month to report, the arbitration clause on their equifaxsecurity2017 website etc. ) and only discovered the news because my professor talked about it in class on XX/XX/XXXX. Equifax did not notify me that my data was breached and did not inform me how to remedy the situation, other than that I was potentially affected and could sign up for their service.
Private and important information of mine was shared in Equifax 's leak/hack. While the company is partial victim to the hack, the security provided was sub par and the response to the issue has been lacking. The site to see if you are effected not secure as well.
First of all I would like to make it clear who I am, although I doubt very highly Google does not know who I am but my information : XXXX XXXX XXXXXXXXXXXX ( Google Billed this email to the bank alone XXXX flagged account without contacting me 16 times. Google stated that I did not tell them in the time allowed, blamed my family, the bank, XXXX XXXX and now I am providing the person that was linked and logged into my XXXX device ( that is a google owned XXXX operating system ) as administrator. That I had to figure out myself. I have asked repeatedly what the number was that was logged into the phone because it just said XXXX. Nobody would tell me. This person on his XXXX page worked or works for google as a driver and is able to bill through the google system. Since he was logged in as administrator and I have no clue who he is it proves he is apparently tech savvy enough to be able to do that and google is assisting him. If not why would google repeatedly side step the complaint to close it. why would all google wallet charges be deleted that I have copies of from the original date I found out. I want google to help me and protect my information yet for the last three years repeatedly i have numerous log ins from places I am not. Please answer why this person is on my account. There is no possibility of Google not knowing they have actually stated OH there is a duplicate account to say oops made a mistake it didnt happen sure it was n't your family. Google stated they refunded all monies well half was refunded does that mean on top of the entire total he got an extra XXXX or was it not refunded. I was also asked for a case id given by google I will provide that but im not sure which one. would that be the case Id in XX/XX/2014 when I found out and notified google or would that be the final email sent three days ago that I still have n't had a response on. Try these if you would like others go to the 6 other complaints with CFPB that have full documentation to prove what was done by Google to assist this man in destroying my life!

Also if Google would of looked at the attachment, the compromised email is listed before the fraudulent account number. I guess it was n't important enough for them to look! There should be no problem figuring it out now! RE : [ XXXX ] RE : [ XXXX ]