WillisBack/dataset-financial-user-claim huggingface dataset:
sent letter to transunion onXX/XX/XXXXto remove a bankrupcty from my credit report and ant thing included in bankrupcty telling them that the courts do not report to credit agencies as in the fair credit act the in formation they are reporting as to be verified threw the courts and not third part vendor im not the only XXXX XXXX i also enclosed a letter with my letter that i sent to the bankrupcty court on XX/XX/XXXXand got feed back from the courts in which the court clerk sent my original letter back to me stamp with the bankrupcty seal to confirm my statement but they refused to correct my credit reoprt
My first time seeing outstanding medical " bills '' was on my credit report from a company called Medical Service XXXX in the amount of {$6800.00}. When I sent Medical Service XXXX a validation of debt letter ; they replied with only {$3600.00} all of medical bills that are covered by XXXX and XXXX for my children and XXXX small bills that were paid by my insurance company and my deductible. When I provided proof and ask them to respond with a verification of this debt to be valid and true in 30 days, there has been no reply. The company can not validate this debt because it does n't exist. I 'm requesting these billing be removed from my credit report.
BANK OF AMERICA required me to apply for the Hardest Hit Fund before they would assist me with a loan modification. Once my loan was current because of the Hardest Hit funds, BOA refused to give me loan modifications options I could have qualified for with my loan current and up to date because of the Hardest Hit funds. My only income is XXXX and child support. They have increased my income by 125 % to determine my new monthly mortgage payment because they claim it is not taxable. 
Even with this inflated amount, they are proposing a 90 day trial where I make a mortgage payment to BOA that is 39.75 % of this inflated gross income figure they have come up with. 
It 's 56 % of the net income that my family has to live on each month. I do n't see how this is an FHA compliant modification. Because I asked a question about the income numbers they used, BOA is trying to claim I 've opted out of the trial offered. I did not XXXX out of anything. BOA asked me to fax my inquiry to their opt-out team to be reviewed. This process should be this complicated. It should be geared to protect the consumer/citizen. I need action and help to make this right. I have XXXX children and stability is paramount to the well being of my family.
In 2015 I had rented an apartment from XXXX XXXX and had to break my lease losing my deposit and when I returned the key, was told that they looked forward to renting to me again in the future. 

Recently I paid {$450.00} deposit to look for another rental. Before I was approved for the rental I went into the office to cancel the request. The document I signed stated that I would lose {$75.00} for a filing fee. The office manager stated that he was not giving me back my deposit and called the police to have me removed. I waited for the police, showed them the document, and they convinced the manager to return the remaining {$370.00} of my deposit. I have attached a copy of the document discussed. 

I then notice that on my credit report I see a collection from XXXX XXXX XXXX for {$3700.00}. I have never been notified of what this debt is for and have no idea what it is. I discovered that it was filed by XXXX XXXX. Upon further investigation, apparently XXXX XXXX is not at all reputable and perform these sort of 'vindictive ' actions if any customers dispute their practices, as when I waited for the police and got my deposit back. 

Please advise me on what to do to have this illegal item taken off of my credit report. 

Thank you.
I found this company looking into my credit report and when I asked they said I owed XXXX I have never had a XXXX account.
Notice to discharge debt against the account named herein. This offset command is made pursuant to remedy found in Public Law 10, " Chap.48, 48 Stat. 112 ''. Refers to H.J.R. 192 which removed all the lawful gold and silver from the State to pay it's " employees '', and for the people the means to receive pay for sweat equity and pay debt. In 1933, President Roosevelt passed H.J.R 192, June 5, 1933- and since the government had taken the gold, and the People had no money, the government would pay the " debts '' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If you ( they ) do, then you ( they ) are in breach of Public Law, PLB-10. Until the state governments come out of suspension, by the Federal Governments placing sufficient quantities of lawful silver and gold backed money back into general circulation or to fully backed notes in circulation pursuant to Article 1 Section 10, this notice is given, pursuant to the remedy for violations of the Coinage Act of 1792 on April 2nd, 1 Statues at Large 246 Chapter XVI, an Act establishing a Mint, and regulating the coins of the United States, Section 19. Notice to agent/agency is notice to principal, notice to principal is notice to agent/agency. 
NOTICE : it is a violation of the law if you fail to discharge your invoice as commanded. This account is accepted for value and exempt from levy under US Constitution, and International treaty!

There is no gold or silver backed currency and hasn't been since 1933!

Furthermore, your corporation is in violation of the laws, codes, and statues : 1. 15 US code S1681 ( e ) -Compliance procedures ( b ) accuracy of report 2. 15 US code S1692 ( j ) - Furnishing deceptive forms 3. HJR-192/ Public Law 73-10 4. Public Law Chp. 48, 48 Stat. 112 5. Title 15 US code 1692 ( e ) - False or Misleading Representations 6. 15 US code 1692 ( f ) - unfair practices 7. 12 US code 411- Federal Reserve Notes are an obligation of the U.S. & shall be redeemed for lawful money on demand. Issuance to reserve banks ; nature of obligation ; redemption 8. 15 USC 1692 ( k ) - civil liability 9. 15 USC 1692 ( d ) -Harrassment or abuse Under Federal Law you have 30 days to complete your re-investigation and update payments and delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a written dispute of the account per the Fair Credit Reporting Act, The Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me!
Portfolio Recover of XXXX, VA keeps calling my cell phone XXXX XXXX XXXX repeatedly and they should not be contacted my cell phone to collect a debt. They do not leave a message and call from various phone numbers with different area codes. I would like this practice to cease at the earliest.
I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal.
This is a complaint against NATIONAL CREDIT SYSTEMS , INC . I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
On XX/XX/2019, I received a collections letter from Allied Collection Services , Inc., to collect on an account from XXXX with a total balance due listing {$4400.00}. On that day, I also confirmed that they reported the overdue balance to XXXX and XXXX credit reporting agencies, and it's showing up as a derogatory account on both reports. I have never held nor do I currently hold an account through XXXX. Per the suggestion of the FTC IdentityTheft.gov site, I sent a certified letter to the collections agency reporting the fraud and including the required documents ( delivery confirmed on XX/XX/2019 ). As of today, Saturday, XX/XX/2019, I haven't received a response from the collections agency via mail, email, or telephone with documentation of the account nor is there any indication that they have begun the process of removing the account from either or both credit reports.
XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.
On XX/XX/XXXX, I received a notification from XXXX XXXX that a hard inquiry was placed on my credit report. This was not a credit application initiated by me. On XX/XX/XXXX, I contacted XXXX XXXX customer service ; this bank apparently provides credit card services for more than 120 different entities. They have no application record for my social security number, my name, or address. They advised I needed to speak to the credit bureau Trans Union and they would have to start an investigation on their end. 
I contacted Trans Union on XX/XX/XXXX. They told me they can see the hard inquiry from XXXX, but the only way they would remove it is if a Letter of Deletion from the bank, as well as submitting a personal letter to them. 
I called the bank back - I spoke with XXXX ( ext XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX, as well as XXXX and XXXX on the Escalated Help Desk. Interesting to not, even with extensions and employee IDs, no one at XXXX is able to find any of the individuals I spoke with in Customer Service at XXXX nor the Fraud dept at XXXX. After many hours of speaking on the phone and getting passed from dept to dept and supervisor to supervisor - XXXX finally advised she would open an investigation, but that it could take several months for it to be resolved. 
Their response was we do not know how a hard inquiry from XXXX XXXX   appeared on your credit bureau, it's not our problem, you have to deal with the credit bureau to resolve this, we can not provide you with a letter of deletion because the credit bureau will need to know our internal application number, the credit bureau will need to know various pieces of XXXX XXXX 's internal information - and without an application number, they will not be able to provide this information to the Credit Bureau to remove the inquiry. I told them I found out from TransUnion that the address provided by XXXX to TransUnion that raised the hard inquiry was an address in Louisiana XXXX where I have never lived ). XXXX XXXX told me they can not look up account information by address. 

Below is the information from XXXX XXXX - XXXX/XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX/XXXX XXXX, FL XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX Institution Information XXXX/XXXX  XXXX XXXX XXXX XXXX, FL XXXX In trying to raise a dispute with TransUnion, I also found the following that info that was provided to TransUnion by XXXX XXXX  : INQUIRY ANALYSIS The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
XXXX via XXXX Requested On : XX/XX/XXXX Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone Number not available
Experian is reporting financial information that is incorrect in regards to XXXX XXXX XXXX XXXX. I logged on to my account with opm.gov.cybersecurity on XXXX XXXX, 2016 and noted that Experian has not removed this item. 

Experian 's website will not let me challenge the derogatory item. 

Attached is XXXX 's letter of XXXX XXXX, 2016 along with a screen shot of my credit report from the US Office of Personnel Management account.
I opened a new checking account with US Bank in XXXX of this year. I opened this account as a result of a promotional email I received from US Bank. The email stated I was eligible to receive a signup bonus of {$150.00} for the account, after I completed a series of qualifying direct deposits. I completed all of the direct deposits, and confirmed this with the bank that I had satisfied the requirements. The bonus never arrived, and after I called the bank to inquire as to the status of the bonus, the bank informed me that the promo code was never attached to my account. I find this unacceptable, as I clicked the promotion link directly from the email I received from US Bank. The email clearly has the promo code in it also, but US Bank still refused to take that code, even though I clearly had it and had applied through the promo link. After opening this account, I also received email confirmation on XXXX XXXX directly from US Bank from XXXXXXXXXXXX, and in the email it was confirmed by this bank representative that the promo code was attached to my account.
This is by far the most terrible on-line bank, I have ever ran into. They want to close my checking account even after getting deposits in it and take offense over a debt I believe they owe period.
Started having the Chase XXXX card since XX/XX/2017. Enjoyed the benefits but hated the service ( disorganized customer service and put under periodic review twice in 3 months ). 
I applied for another credit card ( Chase XXXX ) the end of XX/XX/XXXX, and received the card a week later. However, before I even started using the new card, Chase closed all my account without contacting me via email/phone. I have done no suspicious activity or spending, paid every bill full amount and on time. 
My problem with Chase was : why gave me another credit card when this would lead to the closing of all cards? My credit score was harmed and, more importantly, the closing of account is causing great inconvenience to my life.
I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.
I was a victim of fraud. Was leasing a home through XXXX. I sent a deposit of {$100.00} to the person leasing the home but the more I verified the more I realized he was a fake person. Moneygram needs to have better verification and require IDs. I lost {$100.00} to this person who listed a home on XXXX. The address is XXXX XXXX XXXX. XXXX, WA. The man claimed to be named XXXX XXXX. His phone number is XXXX. The man says he lives in XXXX and was renting out his home. But the home is not his from what I can tell.
I just recently discovered that I had XXXX hard inquiries on my credit report which should have been reflected on my husbands credit report. In addition, he was led to believe that they would be soft inquiries since everything was internal.
Diversified Creditors Services in XXXX, WA has consistently called me at work and my cell phone. They give the mini miranda when calling my place of employment so now they have shared knowledge of collection of a debt with my employer. I also have never received a validation of this debt, just numerous phone calls. I did attempt to call them and they did n't even verify that it was me on the phone. They asked my name, that was all. When I said that I did n't think they were allowed to call me at work the debt collector disconnected the phone call. Based on them calling my employer, not validated any debt and not verifying who i am when discussing a debt I 'm think of getting legal counsel regarding consumer harm.
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. Loancare, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
In   XX/XX/XXXX  I  discovered that my credit report was showing a 30 day late payment fro m Wells Fargo Dealer Services  from   XX/XX/XXXX . I n   XX/XX/XXXX  I mai led in my monthly payment for the correct amount ( {$290.00} ) and ON TIME (   XX/XX/XXXX  ). W hen I received my   XX/XX/XXXX   bill/statement, I discovered that my new bill was for {$410.00}. At that point I looked at my checking account and discovered that someone had incorrectly entered the   XX/XX/XXXX  check  amount for {$190.00} instead of the amount the check was written for. I immediately called  Wells Fargo Dealer Services.  I explained to the customer service representative that I talked to what had happened and even asked them to look at their image of the check and they could see it was written for the correct amount. The person I spoke too acted as though it was n't a problem and told me just to mail in the next payment as usual, to which I did. The next payment was mailed i n on  XX/XX/XXXX  a nd for the amount of {$410.00}. At that point I never thought anything else about it, and only until I checked my credit did I discover that W ell 's Fargo had w rongly reported to the credit bureaus that I was 30 days late on my payment.  <P/> After discovering this, I immediately filed a credit dispute with all  XXXX  credit bureaus as well as contacting  Wells Fargo Dealer Services. I  was told b y the Wells Fargo Customer Services Representative that I should fax a letter along with my   supporting documents to their Credit Report Dispute Resolution Unit. I did exactly that, sending them a letter as well as a copy of both the   XX/XX/XXXX  and  XX/XX/XXXX  checks as well as the dates that both checks were pro cessed through my bank. This was faxed to them on   XX/XX/XXXX . On  XX/XX/XXXX  I   received a letter from t he Credit Dispute Resolution Unit ( Wells Fargo ) stati ng that they verified that the information submitted to the credit reporting agencies was accurate and asking that if I had any cancelled checks or other records I should sub mit to Wells Fargo. I  HAD ALREADY PROVIDED THE CANCELLED CHECKS WITH PROCESSING DATES IN THE INITIAL COMPLAINT. I called  Wells Fargo again, a nd asked to talk to someone in th e Credit Dispute Resolution Unit. I was told that they were correspondence only, and there w as no one I could actually talk too. I then asked to speak to a supervisor and apparently I have been put on another dispute resolution case. Each of the  XXXX  credit bureaus have apparently updated their information to show the payment amounts for   XX/XX/XXXX  and  XX/XX/XXXX but the 30 day late payment has remained, apparently   becaus e Wells Fargo has "  verified '' their report.
HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back. 
THIS IS NOT A NEW COMPLAINT!
Submitted a dispute for a portion of a charge for services which were performed improperly and incompletely, which resulted in damage to my vehicle. I disputed {$450.00} of the total charge of {$870.00}.

The disputed charge is the first line item in the attached bill of service : " Major Tune Up, Parts and Labor ''. I disputed this charge because the spark plugs were improperly installed, resulting in my having to take the vehicle to a XXXX dealership for correction, which cost me an additional {$190.00}.

Bank of America refused to credit me the {$450.00} ( all correspondence is attached ) even after I provided written validation/verification from the XXXX Service Manager ( in addition to the invoice, which clearly states the spark plugs were loose/not installed properly ).

Bank of America DID NOT provide Consumer Protection to me in this case and the dispute process was a complete failure.
I received a notice of investigation results from XXXX on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with XXXX since XX/XX/2018. In the enclosed docs, you will find a report from the XXXX website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, XXXX states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that XXXX  and Experian also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.