WillisBack/dataset-financial-user-claim huggingface dataset:
I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX, EXPERIAN inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.
I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. <P/>For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. <P/>I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.
Around two months ago, I called the credit card team at my bank to request a merchant to be blocked from making further charges to my account. The bank agreed to block any further charges from said merchant and allegedly placed a block. 

Couple weeks later, I discover in my online statement that a large {$25000.00} USD charge was pending to post from the merchant that was supposed to be block. I dialed back and the banks told me to not get concerned since they could see that indeed the merchant was blocked and the charge will not post. 

Unfortunately, two days later I realize that the charge did indeed post into the account, despite of the block. 

I have now went through the bank dispute process and the bank has denied my request to credit the amount alleging that the charge was authorized at the merchant level earlier and that they could not honor the merchant block I requested and they " guaranteed '' they would process. 

Had I known that the blocking process would have not worked, I may have found alternate solutions like closing the account altogether to avoid any unauthorized charges from posting into my account. 

I have been a responsible client of the bank for over a decade, having spent and paid for over $ 1m in credit card charges over time.
I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
my name is XXXX XXXX, my school was XXXX college, from which I never graduated and was there for 3 years. now i have a huge monthly payment on my private student loans that i can not keep up with. i dont make a whole lot and with small children at home and other bills to pay it 's almost impossible to pay them. I have asked for deferments, forbearances, and tried to enter into plans but the payments are still too high. I am worried about defaulting on these loans and ruining my credit but i have no other options. the monthly payments are just way too high and i simply do not have the money to pay them. ive tried researching other avenue 's but there isnt much help out there for private student loans. I 've called Navient ( sallie mae ) several times asking for help but they dont seem to care about every day problems people are facing, they just want their money, bottom line, and i do not have it. i struggle to keep a roof over my kids head as it is and now i can not pay the amount they have given me to pay ... If i have to choose between food for my kids and paying my loan, well, my family comes first. I ran out of oil a couple weeks back and had to miss a payment in order to get fuel to heat my home and now im in danger of defaulting on these loans. They want me to pay an amount I can not afford, for a student loan for a college i never graduated from. I do n't have a college degree because i never finished school and i work a blue collar job that pays very little ...
I 'm unaware of this payday loan, I 've disputed this account and no action has been taken. I 've also requested original documentation with my signature on it validating this alleged account.
I asked and am asking Experian to remove a bankruptcy that they are reporting due to the fact that bankruptcy courts do not report, validate, or verify ANY information. 

I will attached such a letter. 

I also took a screen shot on their site, under my account. It shows that they are reporting a bankruptcy and that the bankruptcy furnisher is the bankruptcy court itself.
Hi, On or around XX/XX/2018, I purchased a roundtrip airline ticket from XXXX XXXX to XXXX, XXXX, for {$390.00} The first half of the trip was fine. 

During the second half of the trip, I showed up to the XXXX airport an hour and a half ahead of the flight. I arrived at the single XXXX desk 1 hour and 15 minutes before the flight, to get a printout of the boarding pass. The desk was unattended. The employee had already left. At 1 hour before the flight, the desk was reassigned to another airline, and the airport refused to let me speak with a XXXX XXXX employee. 

I filed a complaint, and XXXX admitted to the wrongdoing and the negligence and offered {$50.00} to fix it. I said " NO, the flight is worth {$200.00} '', signed nothing, and left. 

I fixed the situation by paying {$800.00} for the replacement flight. 

Arriving back in the states, I filed a complaint with Chase bank. They refused to help, saying that since XXXX XXXX fulfilled half the ticket, they didn't have to refund the money. Since they have arbitration authority, they don't have to do anything, they said.

This is wrong. The contract I have with Chase bank specifically states protection against internet purchases and online fraud. Fraud is negligence, in this case. This was an online internet purchase, and Chase refused to not charge me on behalf of the merchant.

I've since closed all my accounts with Chase, and would like to move forward with further litigation against both parties. The CFPB was created for exactly this kind of abuse. Please do what you do, and punish the parties involved. I can provide whatever evidence is required. The airport also investigated, and found the airline to be negligent. 

I spoke with the airport officials at XXXX XXXX XXXX in XXXX, and they stated that there is a pattern of misbehavior from XXXX XXXX, and there is a constant stream of similar complaints.
As of today  XXXX   XXXX ,  XXXX , TranUnion shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of  XXXX   XXXX ,  XXXX .     I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .
In XX/XX/XXXX, I applied to the rate reduction program that XXXX  runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with XXXX. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureau XX/XX/XXXX.
Mitchell D. Bluhm & Associates sent me a letter for a debt without statement of debt, letter heading is Law Offices of Mitchell D. Bluhm & Associates. They then called me every day on my cell phone representing themselves as working for a law firm by saying this is the Law Office of Mitchell D. Bluhm and Associates. This company is not a law firm and is only a collection agency. I only found out they were not a law firm when I asked for their State Bar #. I was then transferred XXXX times to have a woman named XXXX get on the phone and say that this is just the name of our company, which is not true. The company 's name is Mitchell D. Bluhm and Associates only.
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from Experian after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely.

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the Experian dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
My bank is Capital One in XXXX XXXX, LA. I payed a merchant with my debit card. They ran it through as a credit card, but accidentally rang up the wrong amount. They immediately realized this, voided the charge, and ran up the correct amount. This was on XXXX XXXX. It is now XXXX XXXX and the original incorrect charge still shows in my account as pending. Because of this, that money is locked up. I have called the merchant and they say their system show the charge as voided. I called the bank, and they originally told me it would take XXXX to 3 business days. When it did not clear by then, I called again and they told me XXXX to 5 business days. They have nearly {$500.00} of my money locked up. I would like access to it.
The company continues to call. There are NO emails, or letters to state what the debt is for and they do not say what it is for. Often times I never hear a call, but there is a message straight to voice mail.
I had a credit card with aafes, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until XXXX XXXX XXXX started garnishing my wages at 25 percent and is garnishing a total of about 11,000.00. Never got a communication or sopona to appear in court, never received any letter from either aafes or XXXX XXXX XXXX. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently XXXX XXXX is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX XXXX XXXX XXXX XXXX XXXX
All XXXX credit reporting agencies are reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX.
I have inquiries on my credit report that are not mine, I know that there was a data breach and my personal information was compromised. I have a whole list of inquires that were made by an unknown source. These inquires were not made by me. I am a victim and it has truly hurt my credit score. 

I have provided the list of inquiries that were not mad by me. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
i am a plaintiff in a pending lawsuit the basis is fdcpa, fcra against Usbank Na alleged creditor and XXXX as servicer for the alleged loan. defendants are making a threat to take an action which they can not legaly take. 
On XXXX XXXX, XXXX. I was given the opportunity to observe the collateral file provided by US BANK NA alleged creditor location of XXXX office by a secretary who allowed me to observe the documents for appoximatley XXXX mins and gave me a black and white copy. 
Plaintiff now witnessed the Collateral file that was now altered in its original form. Plaintiff has now discovered a transfer of the DOT from XXXX XXXX XXXX XXXX transferring all benefical interest to : XXXX XXXX XXXX XXXX, as Trustee executed on XXXX/XXXX/XXXX witnessed by notary XXXX XXXX. 
Us bank Na has recently sent the Original documents to XXXX XXXX XXXX who in turn destroyed the Orignal allonge by writing void across it and has now stamped a new endorsement on the note. 
on XXXX/XXXX/XXXX XXXX XXXX tansferred the same instrument it had previosly transferred to XXXX to a trust dated back in XXXX. XXXX XXXX XXXX has sold the note to XXXX and allegedly to US bank who has yet to produce and authentic endorsement. a true and correct copy of the XXXX. to XXXX XXXX and a recent voided allonge is included as an exhbit along with a corrective assignment that has has not been recorded. I allege that this is morgage fraud.
I believe that Navient did not disclose full information regarding my student loan repayment options. I did not have enough money to make full payments on my student loans immediately after graduation ( XX/XX/XXXX ), I had called their help center and asked for options. I was only given the option of deferment. As a result, my monthly payments raised to {$360.00} by the time my deferment was over.
In XX/XX/XXXX, I called Navients help center again asking for a reduced monthly payment plan due to financial hardship. I was told that my only option was to sign up for a payment plan that would initially start me at payments of {$200.00} per month and after two years, would increase my payments to more than {$500.00} per month. I did n't like the sound of this plan and asked if there were any options to pay a lower amount over a longer period of time but was told that this was not an option. I accepted the revised plan but only made the minimal payments for two months during my difficulties. I have been making full payments since then which are extremely high considering the size of my loan.
Recent news articles about complaints over Navients repayment plans ( especially reports saying that I should have been offered other payment options ) have led me to believe that I have been illegally denied repayment options for my student loans. Please let me know if you think this is the case and if any legal action should be taken on my part.
I have attached my full payment history for this loan. Please let me know of any other documents you might need from me to help resolve this issue.
I noticed I had three amounts on my credit report totaling XXXX from XXXX XXXX XXXX XXXX. I filed a complaint last month with XXXX XXXX saying I had no idea what this amount was for. XXXX XXXX contacted XXXX XXXX XXXX XXXX and a letter from them was delivered to my house but to a name not known to me, XXXX XXXX, saying I owed XXXX. I called XXXX XXXX XXXX XXXX and spoke with a rep named XXXX. I told him my name was different from the name they sent correspondence to and that I had no idea who XXXX XXXX was. He asked me for the last 4 digits of my social security member and that matched XXXX XXXX but our birth dates were completely different. He asked me to fax him a copy of my drivers license to prove I was telling the truth and I faxed it to him the next day. He told me that that would clear it up so I was surprised to hear back from XXXX XXXX that XXXX XXXX XXXX XXXX said the charge was correct and should stay on my credit report. I'm at a loss on what to do as I am not XXXX XXXX and I proved that. I'd appreciate any help you can give me to get this erroneous charge off my credit report, thank you.
On XX/XX/, I tendered payment to NELNET/ US DEPT OF ED in the amount of {$79000.00} but NELNET continues to make attempts to collect the debt and report the item negatively on my credit reports as unpaid. I tendered payment. OnXX/XX/XXXX, I disputed the item as prescribed in law under the FCRA and FDCPA and I requested NELNET to provide the original contract bearing my signature and the comprehensive accounting of the account but they willfully ignored my request and claimed " We are unable to adjust your account at this time, because your credit inquiry was incomplete, invalid, or a goodwill* request ''. NELNET violated the FCRA and FDCPA by reporting my account with negative remarks on XXXX XXXX and XXXX, for a debt that I dont owe, therefore since NELNET can not validate the debt, NELNET must request that all credit reporting agencies delete the entry.

Other than that, this account was created by fraud because I never gave permission to NELNET to withhold the comprehensive accounting information from me. The comprehensive accounting is not proprietary information, NELNET does not get to hold that information and I demand to see that information. If NELNET fails to provide the comprehensive accounting or prove that this debt actually exists and that is what a full and complete comprehensive accounting will show, then Ive already paid through legal tender of payment, government obligations remittance coupon dated onXX/XX/XXXX in the amount of XXXX. If there is a remaining balance, then it is false debt and NELNET hasn't applied all credits to the account and NELNET did it intentionally because I asked for a comprehensive accounting and not a billing statement. I want a complete and full comprehensive accounting of every transaction associated with my account to show that this debt exists.

Lastly, the retaliatory action taken by NELNET via credit reporting agencies will result in a small claims action at my local venue. Their actions has caused me significant harm, defamation of my character, job loss, humiliation, inability to acquire credit, home, water, phone, and other necessities of life. There is fairness in the Law. NELNET violation of the Law has harmed me physically and mentally. I request the CFPB to investigate this matter and make NELNET provide the original contract bearing my signature and the complete and full comprehensive accounting of this account. 

Thank you for your time.
Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report