WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally XXXX that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. 
No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle. XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.
The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since XXXX 1992. I 've never had this debt nor have never co-signed for or authorized this debt. 

I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. 

XXXX and XXXX removed the account after performing their investigations. Please help. Thank you
Equifax is reporting XXXX tax liens ( public records ) that should be removed from my credit report. I have sent Equifax IRS forms XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) for EACH tax lien for proof that these need to be removed from credit file promptly. Both XXXX and XXXX have removed the tax liens, as legally they were supposed to. I have spent numerous hours on the phone with Equifax, including filing both an online dispute and regular mail dispute - all with the outcomes that the tax liens on my credit report are valid. This is illegal and they need to remove these tax liens from my credit file.
Tueday XX/XX/XXXX I tried logging onto my XXXX account to pay a bill ( which was sold to XXXX  ). For some reason, my password was not working. I thought it was me, so for the greater part of yesterday, I attempted to figure the password out. It told me that my SSN is not valid ( yes it is ). After seeing this, I looked back into my emails to see if XXXX sent me a change of provider email and no such email exists. I then went back onto the site, change my username and password to start fresh, and tried to look for contact information. There is no such place for me to get information about where this loan is. I logged onto my XXXX  account ... it is not listed under any loan servicer. After seeing this, I contacted XXXX XXXX University student aid and was not given an ounce of information. At first she acted like she had no idea what I was talking about. Then, once I explained that this issue is being written about all over the internet and every other University is assisting their students and these phone calls in helping them find the new servicer, she put me on hold. Once she came back on the phone she gave me an 800 number to call. I told her that XXXX   could not give me the information since it was a private student federal perkins loan and that it is her that is supposed to give me that information. Now, she started talking down to me and refused to give me anything but repeat the phone number and tell me to call them. So, knowing that it was not going to go anywhere, I called the 1 800 number ... .and of course, since it is a federal perkins loan they told me to contact student aid at my university. This is unacceptable. Every single person that has posted about this issue on the internet has had the same problem. XXXX  DID NOT issue a mass email/letter stating the switch in providers and my specific university has been of zero help.
Every year for the last 4-5 years Well Fargo has sent us threatening letters at every renewal period of home insurance. 
Our insurance is paid every year on time and regardless of which company we have, the correct first mortgagee is listed. 
This is ridiculous that every year I have to time time to answer to what I consider and inept loan servicing dept. I know this for a fact because in previous years, we personally sent the paperwork in as policy providers changed, only to still receive the same notice and threat to purchase home insurance.
Have been on a payment plan with Wells Fargo since XX/XX/2018 that is to go through XX/XX/2018. Have made payments for the months of XXXX and XXXX for the arrangement. Worked out with Wells Fargo Home Mortgage Representative XXXX. That since the payment plan monthly amount was for {$710.00} and there was no way could pay that amount up front, said that on every payday would break each payment into partial payments of {$170.00} and {$170.00}. Well, she said that was fine and that we had until the end of each month for the payment to be made. XXXX is a bad month for us because our car tags come due on all our vehicles and we are playing catch up with other bills. I only make {$14.00} an hour at my job and my wife is without work right now. She has been actively looking with no luck yet. We explained all of this to Wells Fargo and had a wonderful representative the first time with XXXX XXXX, who explained with the first one that we  had until the end of each payment month to make the payment. Our first one was almost complete when our account got hacked. We spoke with XXXX and tried to make that final payment back in XXXX or XXXX but Wells would not hear of it and made us go on another plan. Only this time we got a new representative XXXX, who will not leave a message or send an email to us so we know there is a possible problem. The only time she ever responded is when I send a bit of a XXXX email to her. Once again explaining our situation and making sure we still had till the end of each month to get the full payment made. Her response was yes. Well, we got a credit notification from our monitoring service that Wells Fargo zapped my Credit report due to a partial payment not being made but yet the branch took the recent payment made on XX/XX/18 with no problem. I can not take personal calls during my work hours and have asked several times to please leave me a message if Wells Fargo did call. I had been getting calls during work my work hours but never got any voicemail messages. I did not recognize the XXXX # that was on my phone. It was not id on my caller ID to even know who it was calling. I have been plagued with so many scam calls on XXXX # that I am weary of answering them even when I can. Explained this to our representative XXXX but she refuses to make other contact with us. Our payment is for {$710.00} and half of the month of XXXX 's payment has been made all ready and still have two weeks before the end of the month to make the last two payments needed to complete the full payment. Wells should not have dinged my credit report because the full payment has not been received and they took my partial payment on the XX/XX/XXXX. I have all my receipts and will gladly supply them to you all for your records. It is not right for Wells to leave no messages and no emails or formal letters and put this on my credit report. Want it removed from my credit report.
I 've never had a single late payment or derogatory mark with Chase Bank or with any bank or lender, but Chase Bank, without warning or notification, shut down all my accounts with them, and told me there 's nothing I can do about it. They approved me for four cards recently because I have a clean credit report, but decided to not only close these new accounts, but all my credit card accounts with them without allowing me to plead my case to keep my accounts open.
XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.
I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, 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. Please resolve this manner as soon as possible. Thank you.
Original creditor was XXXX XXXX. original debt {$1800.00} charged off XX/XX/XXXX per my credit report. it appears that this debt was sold in XX/XX/XXXX to a XXXX party named Portfolio Recovery. the amounts do not match. the merchant listed is XXXX XXXX. which I never applied for credit with nor have never heard of. I am receiving negative reporting on my credit report XXXX for an account that was charged off in XX/XX/XXXX. I am receiving nonstop calls from Sunday to Sunday XXXX hours a day from this debt buyerthat will not leave a message and will not provide proof of debt owed to their company. based on my credit report the account numbers of the charged off account and the debt buyers account do not match.
Hi, On XXXX/XXXX/XXXX I charged {$86.00} worth of merchandise at XXXX. Due to no bill coming in the mail or the computer email reminder stating this bill is outstanding, I forgot and failed to pay the original balance of {$86.00}. I received a call from a collection agent XXXX XXXX, XXXX informing me my bill is PAST DUE and outstanding and I owe {$200.00}, I asked why I was now being informed the cost is {$200.00} and I was not notified by written or email the original balance {$86.00} was outstanding. I asked for the dates XXXX notified me and the collection agent XXXX on XXXX/XXXX/XXXX could not provide dates I was supposibly notified ), I explained what happend and I was sorry I overlooked the {$86.00} charge, however I did not receive a statement by mail or email and could not understand why I was not notified. I immediately paid the {$86.00} and XXXX late fee to the store directly, I had no help from the collection agency so I called XXXX directly to explain the situation. XXXX representative was able to see the payment from the original purchanse and XXXX late fee and was able to credit fees and interest that were adding up after the payment was made. I was still receiving statements with late fees and interest on the late fees after my call. On my final call to XXXX customer service supervisor on Tuesday XXXX XXXX, XXXX XXXX waived the additional fees and explained the situation is closed and I should not receive any other bills reflecting the late fee and charges. XXXX reported to my Bureau as if I was consistantly not paying and it dropped my score considerably. I am requesting this derogatory tradeline be deleted from XXXX, XXXX and XXXX. 
Thank you for taking the time to investigate.
Portfolio Recovery Associates ( PRA ) placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request PRA to remove incorrect information off my credit report. More importantly, PRA are in violation of FACTA section 623 ( A ) ( 7 ).
I have a credit card with XXXX, which is a subsidiary of Barclaycard US. Their rewards program promises a {$100.00} credit for each XXXX points redeemed. 
I contacted XXXX in XXXX XXXX ( I believe XXXX XXXX XXXX ) to redeem XXXX points. I was told my account would be credited in about 10 days. When this did not happen I called again to check and was told it would be taken care of and my account would be credited in about 10 days. I was given a case # XXXX. Again this did not happen. I called several times, including XXXX XXXX, when I was told they would look into it and gave me a case # XXXX. By this time I had earned additional points, so I told them to redeem XXXX. 
About one week later I saw that XXXX points had been subtracted from the account, but nothing had been credited. I called again on XXXX XXXX and was told they would check, it would take about 10 days. I explained I had been told this several times without any action, and I wanted to talk to someone at a higher level. I was told someone would call me within 24 hours and given another case # XXXX. 
Someone did call me XXXX. He did not have any more information than any of the previous individuals I had spoken with. When I told him everyone I spoke with had told me my issue would be resolved in 10 days he said it will now take 30 days. He also said they only redeem reward points on line, not by telecom. I told him I have been a card holder for many years and had always redeemed reward points by phone, Also none of the individuals I had spoken to previously had told me that, including the first person who said she would process my request. 
My concern is that XXXX ( Barclaycard US ) appears to have no process to resolve claims. Each person I spoke with would tell me that the redemption would be taken care of, but could not tell me why it had not yet been accomplished. They can see there were cases opened, but could not tell me why they had been closed without action. I request your assistance to resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ( last 4 ) - XXXX DOB XXXX/XXXX/XXXX
I have a personal checking account at Usbank. In XXXX XXXX I durable power of attorney on my roommates account while he was out of town. During the time he was gone I managed his account with no issues. In XXXX XXXX he returned and took over all his own financial affairs. In XXXX of XXXX, he committed fraud on his account and Usbank is holding me responsible and has frozen all my account along with all my money. My roommate claims to have taken responsibility for his fraudulent activities. However the bank refuses to reinstate my account and release my funds. The bank has documentation of how the fraud was committed and I am not part of it. It is crystal clear. 
Please help me!
I contacted all three credit bureaus via certified letters, to have this Capital one closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
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Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.
I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never did.
My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report. 

This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday. 

Account # 's XXXX and Account # XXXX
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.
My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.
I am soooo Upset!!!!!!! I cancelled a purchase from XXXX in which I was to pick up the merchandise from a local store. I did not go to the store, instead I canceled it. Per Rushcard member services, I would need to fax over an authorization hold reversal form from XXXX with trans info stating to release hold. I get that done, then the reps say they can not do it because of a policy they have in place with XXXX that will not allow them to release the hold. I know they can release the hold because I 'd had them release a hold before. Now it 's school time and they are holding my funds from me doing what I need to do!! I swear I am going to do away with Rushcard after I get my funds released because since the change in banks, it 's has been a nightmare!!!! Im really starting to hate rushcard after being with them since XX/XX/2009. They may get another lawsuit as far as Im concerned. I call Unirush and they tell me they are sorry for the incorrect info of sending in the authorization release form, but they can not release it.???. So you have all of your reps saying the same thing, but it 's wrong? So much of a scam going on!!!
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I was banking with XXXX XXXX then. 2001. I am XXXX XXXX retired. XXXX XXXX XXXX XXXX XXXX division of the XXXX. I deposited my life savings into this account and they never offered me XXXX XXXX. This resulted in my account being hacked. I lost over {$300000.00} in this bank error on the part of Wells Fargo.
I currently have 5 direct loans serviced through Navient. I recently paid 2 of my 5 loans off. 

When paying the loan online, Navient quoted one price but it turned out that the loan was actually a lesser amount due. I over paid the amount owed, and realized I had over paid the loan 2 weeks after the payment was made. 

I contacted Navient in regard to this situation, and requested a refund for the over payment amount. Navient responded with an apology for their system not catching the error and submitted a request to their refunds department. 

On XX/XX/XXXX, I was told that a check had been cut and sent to my address. Around XX/XX/XXXX I noticed I had not received anything in the mail and followed up with Navient. 

Navient then told me the process takes about 3-4 weeks to receive the check in the mail. I made them aware that time period was closely approaching and I would wait for my check to come as that 4th week approached. 

On XX/XX/XXXX, I called Navient again, they told me they hadn't sent the check the first time that it was actually sent XX/XX/XXXX. I would then again have to wait 4-6 weeks for my check to arrive and that it was no fault of theirs but the U.S. Treasury 's and there was nothing they could do to expedite my payment. 

On XX/XX/XXXX, I called once again, and I was told they didn't know what happened to my check but I should get it whenever it arrives and the U.S Treasury is the hold up. I then spoke with a manager and he was able to cancel the check and offer to put the funds directly in my account. I agreed. 

The manager then cancelled the check then told me to expect to wait another 6 weeks, as I would have to go through the waiting process all over again, because a different form of payment was being processed. I angrily asked, " Why he didn't explain this to me before he cancelled the other check?? '' He had nothing to say. 

I called again today and was given the same run around. He even went as far as to say, " Maybe we already paid you, and you just forgot.. '' The agent used the same script as the other agents and nothing is being done to refund my money. 

This isn't right and I feel this should be looked into. Granted the over payment money may not be much to most people, I work very hard for every penny I have and people shouldn't be treated like this.

Any assistance would be greatly appreciated. 

Thank you. 



Step 4 : What company is this complaint about?

Step 5 : Who are the people involved?