WillisBack/dataset-financial-user-claim huggingface dataset:
i have never in my life had a repossession not only is this completely reporting incorrectly but I have attached a screenshot showing all of the incorrect information reporting on this account. 

1. High Credit XXXX : {$8600.00} XXXX : {$14000.00} XXXX : {$14000.00} How is that credit bureau have a different amount? This is inaccurate. 

2. Date of Last Active XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am not sure how each credit bureau can have a different date. This was one account, not three. This is inaccurate. 

3. Date of Last Payment XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This clearly shows an error and another reason for this account to be deleted for its inaccuracies. 

4. Payment History XXXX : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; Charged off as of XX/XX/XXXX XXXX  : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; ; Charge off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : No late payment history provided. 

As you can see, the late payments being reported to do not match up and make it seem like I have more late payments than I should which are deceiving. This needs to be removed immediately. 

5. Date opened XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX As you can see this neither matches and is another reason this needs to be deleted from my acct. 

6. Monthly payment and number of months are also all reporting inaccurately. 


The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) I have attached a screenshot of my credit report so you can clearly see how this account is being reported. 

I expect to receive a letter stating that this account will be removed from my credit report, or I will have to pursue further action. 

Respectfully submitted, XXXX XXXX
I have received an alleged " Collection Notice '' on XXXX/XXXX/2017. Debt is from XXXX c/o Credit Management LP. Allege due amount is {$200.00}. I have immediately contacted the XXXX ( my internet provider and the ONLY XXXX that I have brought service from ). Their security department told me that they do not own " XXXX '' and have not heard of this company before. They also verified that my account is still in good standing and there are no debts sold. I then Immediate contacted Credit Management LP with the phone number that provided on the allege " Collection Notice '' Which is XXXX. I have refused to provide my names and any of my personal information when I called. Instead, I gave them the reference number, client number and Creditor account number that they provided on the allege " Collection Notice '' and told them that I do not own such debt and please remove all my personal record from their records and do not contact me ever again regarding this fake fraud debt. If this fraud/scam continues, I will contact my lawyer and seek litigation against their company. First time I called them and said the above statement, they immediately hung up on me and the second time I called, I said a very similar statement, the lady on the phone said " Thank you '' and hung up on me again. I have kept a very close eye on my credit report. So if there are anything fraud is happening I will go above and beyond to seek legal actions to protect my rights and my properties. and to ensure there are no more victims falling for this scam.
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
My debit card was taken from me the beginning of this month and was used to make purchases and withdrawals that were unauthorized by me. When Chase Bank finally notified me of these transactions they assured me that my card was frozen and that I would be receiving a new XXXX in the mail. I come to find the next day that my card was still being used, this time to make online purchases and apparently someone called on my behalf and was able to reactivate my debit card over the phone. I do not believe the representative on the other line asked this person any type of security question because if they did this person would have never been able to obtain the information I provided for the security questions. Later on in that week I was mortified to find out that my bank account was suddenly in the negatives. My money was taken from me and replaced with fake checks that eventually bounced. These checks were forged with my name and I 'm still wondering how this person was able to deposit checks into my account without showing someone a proper form of identity since my ID is still in my possession. I made several claims after that regarding my checking and savings account and all the activity that transpired over a matter of just a few days. The representatives on the phone were rude and very unsympathetic and whenever I called to find out the status of the investigation no one could give me a straight answer which left me on the phone for over an hour. Chase also sent me emails claiming that they would temporarily refund me the money that was taken out of my account and that I had full access to this money until the investigation was over. Later on I came to realize that this was completely untrue, my account was in the process of being closed and that I had no access to it whatsoever. This left me penniless for weeks until I was able to receive my next paycheck from my job. This entire experience has been nothing but a nightmare
My name is  XXXX   XXXX   XXXX . I was approached by a sales representative that attempted to sale me a service packet for   XXXX   while I was shopping at   XXXX   XXXX     XXXX  in  XXXX  Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't.   It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a ye ar (   XXXX  and  XXXX   ).    Thank you for your assistant.
I received a collection notice a few months ago from Linebarger Goggin Blair & Sampson, LLP and I immediately returned a letter to them disputing the debt. Today I received a XXXX collection notice as if they just ignored my first letter disputing the debt. The alleged debt is a Toll. I do not have a car with the license plate identified on the notice nor do I have a car in my name that has ever been to Florida.
I wrote to Equifax about an incorrect inquiry that was displayed on my credit report and they did an " investigation ''. They said the company did verify that I made an inquiry so it was correct. When in reality this same company  XXXX  did their own investigation and deemed the inquiry incorrect and sent me a letter that they would delete the inquiry and send a request to do so to the credit bureaus. The other credit bureaus received and deleted the inquiry but Equifax will not do so. They are reporting false information, I never tried to obtain a loan or get a car at that time I do not even posses a license at this time nor then.
Back on XX/XX/2015 someone deposited bogus checks into bank of America account and then attempted to withdraw the funds. I have on multiple occasions spoken to bank of America and have gotten nowhere. If I committed fraud I want them to prove that I did.
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Equifax to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Equifax maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Equifax. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Equifax about. I'm confused, how can Equifax say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
XXXX XXXX XXXX charged me annual fees {$40.00} on credit card which I was not aware of. I requested them to refund {$40.00} fees as customer courtesy one time only but they are forcing me to pay.
I moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full. 

The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification. 

The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).
I have a letter from Green Tree Servicing that my mortgage is entitled for forgiveness. Since I have been calling them, only to hear that they are still working on the lien release. When I called them today, this guy told me that it was n't forgiven and that it is on my best interest to start making payments on the loan, to be able to keep the house. This loan is discharged in bankruptcy and this guy was really pressuring me to make payments.
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent b y U.S.  Mail to loan  servicer    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     In  XXXX   XXXX , I contacted   XXXX   and   XXXX   regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request.  XXXX  even questioned the veracity of my explanation.
I had a checking account at Bank of America. On XX/XX/XXXX XXXX XXXX the bank issued a check with {$560.00}, that was my balance on my account. When I tried to collect the money, the bank returned the check back on XX/XX/XXXX with the stamp unpaid. The reason : refer to maker. I called check department from Bank of America and they told me that no check on my bank account was issued ever and my account is closed. This means that somebody in the Bank of America has falsified this check!
Please, help me to collect my money from the bank.
My issue is with Bank of America. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Bank of America and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Bank of America could not give me any good answers. Over the past year Bank of America has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating.
I have an Ally bank checking account for years. For years I am been using the popmoney feature to send money to another Ally bank account holder without any issue. All of a sudden I was told by Ally bank that I can not do popmoney transfer unless i contact them. As i am busy - i tried to contact them via chat but i was told that i need to call them. 

I was not told why the hold is in place? 
I choose to send money by check to the sender. 
In the meanwhile - i got an email after few days that my popmoney will happen - what??? 

This is what i sent to them in secured message center message : Guys, Please be serious as you are dealing with real human beings ( customers ) and it 's all about money ( $ $ $ ). I was told that my popmoney transfers are on hold so i made the payment via check. Now after the check is done - i am simply getting an email that the popmoney transactions will be done. Now if you do the popmoney transfer - my account will be negative and it 's a lot of inconvenience. Moreover i can not send an attachment when i am sending secure email. Your customer service folks on chat are totally clue less. I am going to report to CFPB if at all I am getting any more issues. I want all the popmoney future transfer to be stopped and let the check gets cleared and then chatted with their customer service
XXXX and their debt collection company Credit Protection Association continue to report a debt on my credit report at all XXXX agencies despite this account being reported as opened via identity theft in XX/XX/2016. A police report was also sent to Credit Protection Association in XX/XX/2016. They continue to report this debt as in collections despite being in receipt of dispute documentation. XXXX also did not attempt to contact me or send any written notice of collection in advance of sending this debt to collections. They are both non-compliant with Fair Credit Reporting Act requirements.
I was reviewing my credit report and noticed a late payment in my CHASE AUTO account number XXXX past due in XX/XX/2018, i am not sure how this happened, i believe i made my payment on time when i received my statement, my account is in automatic payment, they did not charge my account on time.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX. XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : 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.
I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times.
On XX/XX/XXXX, I sent XXXX Ethereum [ {$5000.00} at the time ] to a smart contract from my Coinbase account, which failed, resulting in the money being sent back to my coinbase account. However, the wallet which it was sent back to belongs to Coinbase, and Coinbase has yet to place the funds back into my account. To date, XXXX has not sent me my funds back. The transaction Id was XXXX [ viewable at XXXX XXXX XXXX   ] The funds were sent back to XXXX XXXX XXXX where they still sit to this day. 

I have been unable to get Coinbase to rectify this matter. It should take about 3-5 minutes total for them to move the funds from this wallet to mine. It is unacceptable for this delay in time regardless of how " overwhelmed '' they are.
In XX/XX/2018 I contracted with XXXXXXXXXXXX for TV service and internet. After Tv was connected, I was informed that XXXX could not provide internet service. I was forced to fine alternate internet service. About three ( 3 ) weeks later we were unable to get TV service. Screen message said " problem with satellite ''. Tihinking that XXXX surely knew when the had problems, I did not report this outage. Within a few days a second outage occurered, making tv completely unusable. I called the phone number on screen and was greeted by a woman who refused to let make a notification about the outage until I purchased an insurance policy in the amount of {$99.00} on the XXXX  equipment which I was paying rent for. I refused and was informed that I was " going nowhere until I came up with {$99.00} ''. I hung and the next day went to the local office and informed them that I was cancelling my service and why. I returned all XXXX equipment the next day to their local store. No one would sign that I had returned the equipment, but I left it anyway. 
NowXXXX is billing me {$680.00} for early cancellation charges. 
They completely ignore any letter that I send and have turned the matter over to a debt collection agency.
This account was disputed XX/XX/2017 resulted in account deletion due to unsupportive documents. Currently collection agency attempting to collect again. If not resolved immediately, legal action will be taken.
My name is XXXX XXXX. I signed up with XXXX XXXX in XX/XX/XXXX for online classes but I could n't pursue after having a baby so I called and cancelled. I was never registered online. It 's now XX/XX/XXXX and they have this account with investment retrievers listed on my credit report which is preventing me from getting a mortgage. I have tried to dispute this with credit bureaus and it 's just not going away please help me. I need to move on with my life and this is enabling me.
XXXX withdrew {$26000.00} from my checking account between XX/XX/2019 and XX/XX/2019 for XXXX cancelled reservations but I only authorized {$19000.00} for withdrawal. After many phone calls with XXXX during the past 30 plus days, and after being transferred several times to their payment processor, XXXX, today, XXXX from XXXX stated that XXXX has no supporting documentation for the {$26000.00} of withdrawals from my checking account. Also, he stated that only XXXX, the payment processor for XXXX, has this documentation but my contract is with XXXX, not XXXX. Then XXXX refused to put his statement to me in writing. Then he hung up, un-announced, from my phone call. A representative from Wells Fargo Banks XXXX department was a participant during this whole phone call today. 
XXXX withdrawals detail for {$26000.00} follows. 
{$6800.00} on XX/XX/2019. 
{$4800.00} on XX/XX/2019. * {$3900.00} on XX/XX/2019. 
{$3100.00} on XX/XX/2019. * {$3400.00} on XX/XX/2019. 
{$2900.00} on XX/XX/2019. 
{$1500.00} on XX/XX/2019. 

*XXXX  refunded these two deposits on XX/XX/2019, apparently to settle an unrelated dispute for overcharging RENT PAYMENT FEES ( description on my bank statement ) as a result of my contracted payment of {$500.00} per year per listing to cover all XXXX rent payment fees. I calculate {$7900.00} of overpaid rent payment fees.
enhanced recovery system corp is reporting on my credit without validation i call them and asked for validation which they could not proved
Back in XXXX XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
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I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
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Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high 500 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
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Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday,XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XXXX or XXXX XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
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Kindly assist me in doing this and advise me as to what I should do next.
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.