WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file XXXX new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all XXXX credit bureaus, and also to the apartment complex XXXX XXXX. 

Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Equifax on my behalf and further investigate this matter. 

Thank you very much, and I look forward to your prompt attention to this matter.
Opened checking account with Discover Bank and fully expected {$300.00} from signup bonus. Emailed Discover twice, said I was eligible and that they were looking into it by escalating my issue. Waited for 1 month+ expected bonus post date.
I received a call on XXXX/XXXX/15 at XXXX from XXXX XXXX XXXX XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of Ross Gelfand LLC and that they took over the account. I told her that the the office of Ross Gelfand was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account
Asset Acceptance has failed to provide me a copy of statements after mutable attempts, Asset Acceptance have not given me a copy of records of all payment that I have made with them.
Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above information.
Subservice XXXX Nationsart Mortgage LLC On XXXX XXXX, 2011 I sent QRW and the information I requested in the letter are proprietary information exceed the scoop information under XXXX. I have the letter here form XXXX XXXX XXXX. 
Email XXXXXXXXXXXX I have been paying PMI on this loan for 10 years and N/S will not tell me any information. At the end of the year and every month I see where they take the payment out but other I do n't not statements. N/S say I making payment to a company that has been out of business for years RMIC. 
N/S inadvertently would not disclosed and release any information too me about loan and did so intentionally. to charge fees and interested that I would not be aware of. It was not until I contacted H.O.P.E for a modification anyone started offing me help. I had to mail N/S everything I mailed HOPE two and three times over and over. But if they have continued to honor XXXX Modification the XXXX modification I would not have need this set me back over XXXX and 120 Day late on my credit report. 
I feel N/S needs to be investigated for Modification Abuse The incentive payment from the Federal government HAMP were used for profit and big business.
Please refer to the attachment which describes my complaint in full detail. In summary, I received a " targeted '' offer from the American Express Delta Skymiles Gold card. It was a " targeted '' offer because it not only contained my name, address, etc. but a unique ID number that was specific to me. The incentive on the offer was a {$50.00} statement credit and XXXX Delta Air Lines Frequent Flier miles after meeting the requirement of making total purchases of {$2000.00} within 90 days of receiving the card which I performed. Subsequently, American Express refused to honor the incentive claiming that I had previously received this offer. I asked American Express, if I had previously received this offer and did not qualify for it, then why was I not only targeted with a unique ID offer number but when I applied for the card, there was no decline by American Express stating that I did not qualify for this offer. American Express could not answer my question and I am seeking the assistance of the CFPB.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
I applied for a business credit card with Capital One. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that Capital One is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like Capital One gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.
I applied for a Loan Modification in XXXX XXXX with CITI Bank. In XXXX XXXX a detailed Property Evaluation was performed. Since that time, I have provided all documents requested in a timely fashion, but CITI Bank keeps " kicking the final decision '' down the road. I have letters stating my loan was approved, only to discover those letters were sent in error and the application was still in review. I 've never been given any detailed answers on what the delay is, other than " this is a long process, '' and " we are busy with many applications. '' On XXXX/XXXX/XXXX, however, when I aggressively pressed for a detailed explanation, I was sent an email that stated the Underwriters need to get a Property Evaluation performed. When I reminded them this was done months ago, and I asked what was wrong with the evaluation done in XXXX, no one replied. It is clear CITI Bank is not interested in granting the loan modification, but for some reason they do not want to tell me that. I suspect they are trying to wear me down and hope I cancel my application.
I am unable to access my experian credit report online. I have a new report number issued XXXX XXXX, 2015 and every time I attempt to view my credit report it gives an error message that they are unable to complete my request due to the number of views associated with that report number. However, the report number is new. I was previously a victim of identity theft and regularly monitor all of my credit reports for suspicious activity.
We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from XXXX XXXX XXXX XXXX. XXXX XXXX is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this SpeedyCash acct. As result, XXXX XXXX is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
My mortgage experience with XXXX XXXX at Wells Fargo Home Mortgage has been ridiculous. I met with her XX/XX/XXXX to get pre-approved for a mortgage. I provided income verification, banking info and she pulled my credit. She said I was pre-approved and I went house hunting. I made an offer on XX/XX/XXXX on a condo. Due to negotiations and the seller not having email, the final contract date was XX/XX/XXXX. I told her verbally during that time that I was going under contract for a condo and what the sales price was. She received the contract from my agent on XX/XX/XXXX with a contract closing date of XX/XX/XXXX. The appraisal was done on XX/XX/XXXX. I provided all documents requested in a timely manner. My company provided all requested info in a timely manner. There was no mention of not ever making my closing date. The date approached and I was told that it was in the condo dept waiting on approval. Daily, I was told, maybe we would get something today. That was all a lie. On XX/XX/XXXX, I was forwarded an email from my agent that she received from the condo association. The association said that Wells Fargo should have everything they needed from them and that they had sent the required condo questionnaire fee via regular mail instead of overnighting it. Giving 3 days mail time and 2 days for the association to process the questionnaire, that means that WF did n't even order the questionnaire until right at my closing date. So, what was the condo dept reviewing for several days if they did n't have the info to review? Stall tactic and lie. It is now XX/XX/XXXX and we still do n't have a confirmed closing date. Wells Fargo, XXXX XXXX and her processor, XXXX, dropped the ball. They have cost me time, money and frustration. She knew that I travelled extensively. I was supposed to close on XX/XX/XXXX and travel to XXXX XXXX ( condo location 6 hours away ) on XX/XX/XXXX to prepare the condo for moving in. My girlfriend and I both took time off work to go down there. We offered to drive down there on several occasions for a closing to save them the time of mailing the closing package to the WF office where I was originally closing. XXXX asked me my drop dead date for closing. I told her Wed. XX/XX/XXXX because I was leaving to go out of town for work on XX/XX/XXXX for 3 weeks. I do n't know why she even asked. She knew she could n't close the loan during that time frame. I have felt " held hostage '' by the mortgage company with this daily back and forth with promises of approval today. I would have switched mortgage companies if I had known then what I know now, but I did n't want to start over and take more time when I thought I was so close to being done. Now the seller is threatening me that if I do n't close Tuesday XX/XX/XXXX that he will charge me {$1000.00} to extend the contract. My girfriend was in the mortgage business for 15+ years and says this is the worst transaction she has ever seen. She is the one who said that I should file this complaint.
I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.
On XX/XX/2017, this debt for { {$100.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please do n't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Bank of America Have Started A Foreclosure Action Against Me On XX/XX/2015 And They Do n't Have Legal Standing, Right Or Legal Capacity All Documents Submitted on The At Bar Is Fraudulent See case At XXXX under Civil cases XXXX Or My Name XXXX XXXX See Case XXXX Also XXXX .vs XXXX XXXX , the never responded to my RESPA AND TILA IN VIOLATION OF US AND STATE LAWS.
I am disputing with Equifax certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Equifax to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.
Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off.

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to myfedloans to change or remove this information and yet it still remains.

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Equifax requested documents to be submitted to them via fax to self identify. On XXXX XXXX, 2017 a copy of my driver license, social security & proof of current address was faxed. On XXXX XXXX, 2017 I spoke with an Equifax associate, who stated they ca n't seem to located faxed documents. After 30 mins of dealing an associated, I was placed with a supervisor. Supervisor stated since its been 48 hours since I faxed my self identifying documents, I could upload the documents using the dispute function on their website. After uploading the document as requested, the supervisor asked about an account belonging to me, that she just recommended I use to upload self identifying documents. Supervisor still was unable to answer my question, as to why I can not review my credit report online, nor could she answer the question, what happen to the information just upload to verify identity
I received two calls from Portfolio Recovery from XXXX different numbers both on XXXX XXXX, 2016. The first number was XXXX and they called at XXXX EST and the second call was from XXXX and they called at XXXX EST. The number that they are calling is my work number and I have asked several times that they do not contact me at work and they continue to do so. They have my cell phone number. I have spoken with a rep by the name of XXXX XXXX and again I have asked that they do not contact me at work. The rep stated that they would continue because I refuse to answer my personal cell number. I have asked them to provide proof of debt in writing and each time they have told me no. I would like for them to stop calling me I have been reprimanded for their unwanted phone calls.
XXXX sold acct ( XXXX ) to clent services as theiur is XXXX insurance they failed to activate
I have repeated contacted Equifax about the inaccurate information that they are managing in my consumer file as it relates to XXXX XXXX XXXX XXXX XXXX for account # XXXX with an open date of XX/XX/XXXX. I most recently disputed the information report because it is obvious the information is inaccurate just simply by comparing previous reports from Equifax. The result of the dispute from XX/XX/XXXX with a completion date of XX/XX/XXXX and conformation # of XXXX ( see attachments XXXX pages ) the XXXX XXXX account # XXXX - shows the following information item as of date reported of XX/XX/XXXX, date of last payment of XX/XX/XXXX with date of 1st delinquency of XX/XX/XXXX and date of major delinquency of XX/XX/XXXX and charge off amount of {$36000.00}. Under the account history with status Codes : XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX- L, XX/XX/XXXX- L, XX/XX/XXXX-L, XX/XX/XXXX - L. ^^^ According to the credit report I have not made a payment since XX/XX/XXXX but the first delinquency date of XX/XX/XXXX and the date of first major delinquency of XX/XX/XXXX : Now according to the account history with status code, the account suddenly went code XXXX, which is 120-149 days past due as of XX/XX/XXXX followed by code XXXX as of XX/XX/XXXX followed by code L as of XX/XX/XXXX which according to the code key means ACCOUNT CHARGED OFF. We know its impossible to suddenly be a code XXXX or 120-149 days delinquent for XX/XX/XXXX if the a last payment date of XX/XX/XXXX as indicated solely by what the credit report states, then to suddenly just up 180 days or more past due by XX/XX/XXXX. They also show on the report that the account has a first major delinquency date of XX/XX/XXXX, but then show the account charged off as of XX/XX/XXXX again this information is obviously wrong and grossly inaccurate. Due to Equifax 's continued non- compliance with the law as it relates to deleting inaccurate information has caused me great harm that continues to build as time continues to past and they refused to correct the issues. Due to them knowingly keeping grossly inaccurate information in there records with the refusal to correct needs to be made to comply with the law and now delete and block the account from my credit file. 

They are also reflecting a social security number of XXXX which is not my social security number. I have repeatedly ask them to remove this information and again they refuse to comply. It is obvious that they have a pattern of maintaining inaccurate information on consumer and refusing to follow the laws. If this is what they are doing to me, can you imaging how they are doing others who do not speak up. I truly feel this is a class action issue affecting many Americans. 



Over the last two years, I have to constantly contact this governmental agency because Equifax refuses to comply with the law as it relates to removing known inaccurate information from the consumers credit report as evident by previous complaints filed with your agency.
I owe over 102000 in student loans and Navient expects me to pay 900 plus a month.
Applied for a Conventional Loan Refi & was denied because the lender thought I was to much of a risk.
I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.
Made a double payment into my chase freedom resulting in a positive balance of over XXXX dollars. After speaking with a costumer service over the phone ; " was told to go to the bank and request my money " the bank did not discuss any fee relating to getting my money back.
I have multiple inquires that I do not recognize with the equifax bureau company please delete this unauthorized information thanks.
XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with Transunion and XXXX  and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
I have made several attempts to rectify this matter with Experian and XXXX. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.