WillisBack/dataset-financial-user-claim huggingface dataset:
Please see attached pdf copies of five ( 5 ) pending QWR requests sent earlier to JP Morgan Chase. 

These were sent XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX ( see attached ). 

JP Morgan Chase is required to make reasonable efforts to satisfy these QWR Requests, including retrieving the same from computers, backups, archives, phone records & transcripts. 

With respect to QWR items that are required by me, they have claim that they do not exist but have not made any effort to retrieve them. XXXX replies from JP Morgan Chase dated XXXX/XXXX/XXXX ( Case number : XXXX ) and XXXX/XXXX/XXXX ( Case number : XXXX ). 

I have n't requested for duplicate information via these 5 QWR requests. Yet JP Morgan Chase has partially satisfied some request without stating a full reason as to why other items were not sent to me or why these QWR items can not be retrieved from backups or recreated to satisfy these QWR requests. 

This amounts to concealing information contained in my loan file. 

I am entitled to receive complete information requested, because JP Morgan has committed an error on my loan and abused the TARP programs ( see Case number : XXXX ). 
Most importantly I require : a ) Complete Contact History b ) Complete Communications History. 
c ) Proof of ownership of my Mortgage Note d ) Complete Phone conversation transcripts/Notes See attached 5 QWR requests.
I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person
US Bank the issuer of the XXXX XXXX Visa Signature Personal and Small Business credit cards charges an annual fee for each on of their cards. I have XXXX of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX hotel you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid XXXX annual fees earlier this year that I would receive the XXXX night XXXX, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.
Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX 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.
Transunion began an investigation of XXXX., account # XXXX on XX/XX/2017 but did n't complete until XX/XX/2017 beyond the 30 day time period allowed by FCRA
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX/XXXX card With an existing Balance of {$4100.00} used out of XXXX that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX. ADDRESS XXXX XXXX XXXX  XXXX OH, XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX   UNVERIFIED ACCOUNT XXXX  UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX UNVERIFIED ACCOUNT These are the accounts here stated are the accounts that continue to reflect on my report but are not accurate. I would like to request all accounts off of my report that I have stated here and after the process of deletion. 

My Identity has obviously been compromised by another party and will be reported as theft and a security breach concern. I would like to ask all that is verifiable in correspondence to these accounts be disclosed as evidence of the genitive case. If These here derogatory marks aren't responded by XX/XX/2019 With verifiable proof disclosed then I would like all unverified matters to be removed from my credit report.
I tried to freeze my credit at freeze.equifax.com on XXXX/XXXX/XXXX. I entered all my information, got the following on the next page once I submitted it " We are currently unable to service your request. 

Please try again later. '' Worked OK at all the other bureaus. Thanks for your help
Equifax fails shows a unpaid account on crdit file for XXXX $ there is NO NAME NO ACCOUNT NUMBER date from XXXX! and then re-issue don XXXX/XXXX/XXXX I have asked for an investigation proving it belongs to me with no success the Equifax site will NOT allow me to dispute, the sire creashes when entering the information, I have called the EQ help line and put on hold for 20 minutes and then disconnected after being switched 3 times! 

I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file!
In XX/XX/XXXX I helped my niece by co-signing for her student loan. I thought no more about the issue. It 's now XX/XX/XXXX, I 'm retired from XXXX and receive a copy of my credit report with Navient reporting 60 and 90 days late dropping my credit score by XXXX points. 

I called Navient to figure out who they were. Once i knew they were reporting late in regards to my niece 's loan, i called them right away. They had no accurate information for me and had never tried to correct the information. The customer service representative verified they had returned mail because of the inaccurate information. 

Navient never tried to contact me. They had my niece 's information and simply could 've asked her for my contact information. I would 've made the payments had they tried rather than let the account go overdue and allow delinquencies on my credit report.
My husband and I are trying to stay current with this credit card. Unfortunately other bills such as mortgage, daycare, student loans and medical bills have caused us to fall a little behind on this credit card. This Citi card is the highest interest rate I have and the highest monthly payment. Ive tried my hardest to stay current on it but have fallen a little behind. I look on my account to see {$710.00} due by XX/XX/XXXX, several late fees, interest went up again, theres just no relief with this card. I call to find out what I can do ( they offer assistance all over their website ). The guy I was transferred to was completely rude and condescending. We spent 20 minutes going back and forth of what I could do different to afford this. Or the same questions of what caused me to fall behind after already explaining its just too high. We got no where, my account will continue to fall behind if I dont get some sort of assistance with this.
My complaint is n't about phone calls, but I believe " communication tactics '' was the closest to my complaint. My main problem is with the Debt Collection Company, the lesser complaint is with the school. 

I 'm currently in a dispute with my local community college regarding a small debt, either {$49.00} or {$79.00}, depending who I speak to. In XX/XX/XXXX I took XXXX XXXX XXXX classes and paid upfront with my credit card. One of the classes was canceled, and I was refunded the money for it. XX/XX/XXXX I received in the mail a small slip of paper saying in part : " Dear XXXX, Please be advised you have a past due balance with XXXX for a XX/XX/XXXX XXXX ... Pay by XX/XX/XXXX '' It did not look like a bill or invoice and my name was not on the slip or the amount owed. I called the college that day and spoke to someone who could n't tell me what class I owed for or provide any of the normal information that one would find on a bill or invoice. The woman I spoke to promised she would do research and get back to me, which never happened. 

I must point out, that I 've never been a matriculated student at this college or had a student loan. I registered and paid for XXXX XXXX classes in XX/XX/XXXX, attended XXXX, the XXXX was canceled, and the money for that class refunded. Also, the paperwork seems to indicate this " debt '' was for something in XX/XX/XXXX, and I never registered for or attended ANY classes in XXXX. When I got the notice from the debt collector, I called the contact for the college on that notice and failed to receive any meaningful information that would indicate I owed them money. The woman was " too busy '' to explain it other than to say that XXXX people in her department looked at the paperwork and agreed I owed them money. I responded that they should send me a proper invoice if they have such paperwork. 

At any rate, they sent this alleged debt to AR Resources Inc., and their first contact with me by mail, they sent the notice to an old address. The address is from at least 25 years ago or more. The XXXX college does not have this address on their records, so I believe AR Resources Inc deliberately used an absurdly old address so I would n't get the notice. The reason I got the notice, despite the old address, is because I still live in my home town and people in the Post Office know me and where I live currently. 

I can not stress strongly enough that AR Resources Inc had to deliberately do EXTENSIVE research to find this address. It 's not a simple clerical error. The house number they used was from the pre-XX/XX/XXXX era. Not before XX/XX/XXXX, but literally before my town had XXXX service, you know? When this address was valid, if you needed the police or ambulance, you would have had to dial the XXXX DIGIT PHONE NUMBER ON A ROTARY PHONE.
I recently received notification from XXXX regarding NORDSTROM credit card reporting a balance of {$340.00} for the month of XXXX which is incorrect. I currently have a balance of {$220.00} after my recent payment prior to the statement close date. XXXX and XXXX are reporting the correct current balance of {$220.00} accurately. However NORDSTROM failed to report the correct balance to XXXX for this month. In fact they have reported 30 days late which is also incorrect. I made contact with card services and explained the reporting issue. I received a letter dated XXXX/XXXX/17 stating they have reported to all XXXX credit files correctly. This is not accurate, I have attached an insert from my XXXX credit reporting reflecting the non reporting for the current reporting date of XXXX/XXXX/17. NORDSTROM failed to report to XXXX for XXXX/XXXX/17.
I have been in contact with Equifax since XX/XX/2018 trying to get them to correct my address, fix the error with XXXX and XXXX and XXXX. I am trying to purchase a house and Equifax 's mortgage division will not release my credit report due to the issues with XXXX and XXXX and XXXX, due to the conflict in addresses. I have faxed a letter to them with my new drivers license, passport card, and a bill showing my new address, asking them to update their files including my credit report, XXXX and XXXX and XXXX account. I was told they never received the fax, yet the transmission report I have states they did indeed receive it. I have also mailed the same information to them, and as of XX/XX/2018, the information has not been updated nor corrected. I spoke with another agent on the XXXX and he told me all the errors are due to the address not being updated. I have now missed out on purchasing three different homes due to not being able to have my Equifax credit report pulled. I have documented the calls and letters sent to Equifax without success.
On or about XXXX XXXX, I received a phone call from XXXX Bank requesting payment on a credit card. Having never been a client of XXXX Bank I ran my credit report and, indeed, found a credit card, address, and phone number, that did not belong to me. I called XXXX Bank back to report the fraud, and they told me no accounts were open with my Social Security Number, but were able to close the fraudulent account. I have now began the notification process to repair my credit report.
Please remove the following inquiries as I did not grant permission : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
This complaint is being filed against Trans Union in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX with Trans Union on XXXX different attempts to correct their inaccuracies. However, Trans Union have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Trans Union claiming the account verified how was it verified and by what method did they verify? Why cant they provide me with the original signed contract, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on fourth occasion. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
TODAYS DATE:XX/XX/XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
I carry a Chase Freedom Unlimited credit card and I noticed two suspicious charges to the same merchant in XX/XX/XXXX which I promptly disputed with Chase. The merchant name is XXXX XXXX XXXX XXXX ( in XXXX Oklahoma ). The transactions were {$6100.00} on XX/XX/XXXX and {$570.00} on XX/XX/XXXX. I recently received a letter from Chase dated XX/XX/XXXX ( yes, two months after the dispute ) that these charges were reinstated to my account with the reason being " You received benefit from this transaction. '' I have not attempted to contact the merchant to resolve b/c I presumed Chase would perform their due diligence under the cardholder agreement and properly resolve the dispute, but that has not been the case. I haven't been to Oklahoma in a quarter of a century, nor have I browsed this merchant 's website or submitted an order by phone, and I certainly have not received any merchandise from them. I have been a Chase customer for 16 years and have been faithful and honest in all my transactions and it is very upsetting that they would not at least contact me during their so called investigation of the dispute to discuss the transactions. I submitted a simple one page form on XX/XX/XXXX providing Chase a brief description of the dispute but heard nothing from them subsequent to that form being emailed to them. There's no doubt that these charges are fraudulent and I'm at my wits end with getting them resolved through Chase, who should be primarily responsible for protecting the account. Chase has not provided any evidence supporting their decision.
On XXXX XXXX, 2017 XXXX XXXX took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.
I am a victim of identity theft and there are currently 8 collections being reported to my Equifax report for multiple debts I did not create. I have disputed these accounts several times with Equifax and they are refusing to delete them from my report. In my most recent dispute, I requested Equifax block these accounts from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX County Sherriff 's office on more than three separate occasions. To this date, the only generic response I have received is that the accounts have been verified and can not be deleted. The collection company who is reporting these eight debts on my credit, " XXXX XXXX XXXX '', has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have these fraudulent accounts BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request. I am attaching a section of a recent credit report which shows these eight collection accounts, the balances being reported, and the account numbers they have on my credit. The first account was opened in XX/XX/XXXX is for {$2300.00} and has an account number of " XXXX ''. The second account was opened in XX/XX/XXXX, is for {$2000.00} and has an account number of " XXXX '' .The third account was opened in XX/XX/XXXX, is for {$67.00} and has an account number of " XXXX ''. The fourth account was opened in XX/XX/XXXX, is for {$170.00} and has an account number of "  XXXX ''. The fifth account was opened in XX/XX/XXXX,  is for {$820.00} and has an account number of " XXXX ''. The sixth account was opened in XX/XX/XXXX,  is for {$6100.00} and has an account number of " XXXX ''. The seventh account was opened in XX/XX/XXXX, is for {$190.00} and has an account number of "  XXXX '' .The eighth account was opened inXX/XX/XXXX, is for {$990.00} and has an account number of "  XXXX ''. As you can see, only Equifax is reporting this to my credit at this time. XXXX and XXXX have deleted all records of these accounts because they were opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
XXXX XXXX This item does not belong to me, and it keeping me from getting a job.
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, TransUnion is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for XXXX, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION XXXX