WillisBack/dataset-financial-user-claim huggingface dataset:
In recent days, a collection agency named Portfolio Recovery has reported a collection account on my credit report. The Fair Debt Collection Practices Act states that a collection agency is required to provide me with a 30 day notice prior to reporting a debt on my credit file. The collection agency did not follow this protocol, and just reported the debt without contacting me, nor giving me an opportunity to answer for it.
My father and I share the same name. The company below : FINANCIAL RECOVERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Keeps reporting a collection on my credit report. I 've disputed with both XXXX and XXXX. They removed it but it was recently added again a few months ago. I even called them and they verified that the date of birth and social on file do not belong to me.
There is a address for : XXXX XXXX XXXX, MI XXXX However this address does not belong to me or have I ever lived there. This is a home to my father and mother and my father and I have the same name, but i have no ties to this property.
I attended this school unaware of accreditation and was making payments and found out the school had lost accreditation in 2002
Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint:
I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.
I have tried to resolve this issue with the CRA. I understand all CRA do not report the same way but if a company is reporting the appropriate information to ALL CRAs, there should be no reason that all my reports do not match. After a previous complaint with XXXX XXXX XXXX, they took appropriate action in noting they made an error. XXXX furnished me with a letter assuring that this account would no longer reflect on any of my credit reports. Ive given more than enough time for all CRA to comply with this verification letter from the lender company. However, even with this letter expressing I am no longer liable for this account and it will be removed, EQUIFAX still does not comply. XXXX AND XXXX COMPLIED IMMEDIATE AFTER THIS ACCOUNT VERIFICATION NOTICE FROM THE LENDER. Under FCRA 611 ( a ) ( 6 ) ( B ) Equifax should be held just as accountable as the lender. I am enclosing the same letter mailed to me stating this account is no longer liable to me and it shall be removed. I AM ASKING YET AGAIN FOR EQUIFAX TO COMPLY WITH THE LENDER AND REMOVE SUCH ACCOUNT FROM MY REPORT AS IT WAS STATED IN THIS LEGAL BINDING DOCUMENT MAILED TO ME FROM THE XXXX XXXX. THANK YOU
I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases. 
The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.
Please see attached response from Lexis Nexis. This company has been reporting to STATE LIENS, that belongs to someone else with the same or similar name. I disputed these with them and they did not remove the invalid information from my credit report. This is a total violation of FCRA. This is my last resort before taking it further and having a legal counsel involved. Also Attached to this complaint are copies of my IDs proving that these items do not belong to me or I am not the person they are reporting this lien for.
I did not authorize my roommate to add me as a user to this card. 
Email XXXX  Opened up bank accounts falsely in my name while i was traveling abroad, bounced checks etc, and racked up debt ... .... That as the main user on the account like AMEx has stated to me, he can only get me removed from the account .... sometimes they just run me in phone call circles. The account is listed as Authorized user, I need this removed, it not my obligation, nor did i ever agree to its or sign anything regarding the accounts terms. ETC DO they have any prooof?
Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.
MY  U.S.BANK FLEX P ERKS MASTER CARD IS NOT REPORTING ON  XXXX . THE BANK IS PERMITTING  XXXX  TO BLOCK ME IN VIOLATION OF THE DODD-FRANK ACT.     THE BANK HAS 15 DAYS TO RE-INSERT ALL ACCOUNT BACK INTO   XXXX    DATABASE OR BE SUED IN CLASS ACTION EFFORTS.      SHOLD U.S. BANK FAILES MU ST CEASE AND DESIST ALL CREDIT REPORTING.     DISCHARGE ALL DEBT BY  XXXX
I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.
I sold XXXX LTC Litecoin on Coinbase at {$220.00} per LTC. I was to receive the amount of {$720.00} back to my XXXX XXXX account ending in XXXX, on XX/XX/2017. Also, on the same day, I sold XXXX BTC Bitcoin at {$12000.00} per BTC. I was to receive {$130.00} to my XXXX XXXX account ending in XXXX on XX/XX/2017. 

I have yet to receive any money to my account. I tried calling the Coinbase customer service several times, and after being left on hold for hours at a time, and being hung up on instantly, once the call gets through, I decided to take further action and contact you guys.
Child Support is being reported on my credit report like it is a loan. I did not receive any money from XXXX XXXX XXXX so why is it being reported as a loan. There are already state services that can be revoked by not paying child support. That is there jurisdiction. Credit is not.
Dear Equifax I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I have been disputing several accounts with Equifax Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. 

I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Equifax are violating my rights under this law. I sent out a certified letters to Equifax and have tracked delivery confirmation that they received my letter. 


I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months for employment purposes. 

The disputed items are as follows 1. XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Appreciatively, XXXX XXXX
My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.
XXXX  XXXX XXXX and Citigroup are dictating to companies who they will or will not do business with based own these banks views of gun rights and the XXXX XXXX XXXX. These multi-billion dollar Banks that were bailed out from financial collapse with American taxpayer dollars now feel they do not have to follow the laws set by Congress and our constitution and can discriminate on certain companies with their on policies. This is a dangerous precedent.
Golden Valley Lending BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Phone : ( XXXX ) XXXX Web : www.golden-valley-lending.info Category : Questionable Activities Complaint On or about XX/XX/XXXX I obtained an online loan for originally XXXX XXXX Dollars ( {$1000.00} ). I was not aware of the astronomical interest rate of 720 %, that would result in my final payout would be close to {$5000.00}. After the fact ; I did research on this institution and found out they are a Tribal entity. I was not aware of this fact. There are several complaints against this lending institution, as I have given an example of the BBB below. Government Action Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc., and Majestic Lake Financial , Inc. Case # XXXX. The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. The case is currently pending. XXXX XXXX XXXXXXXX Here are the two payments that I have done up to now ; Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$300.00} Principal : {$50.00} Total : {$350.00} Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$280.00} Principal : {$50.00} Total : {$330.00} I called Golden Valley Lending to find out what the pay off would be if I paid early. For a loan remainder of {$850.00}, my pay off value is {$1100.00}, which I will pay on XX/XX/XXXX. I was not expecting such a high interest rate, thinking my loan would be about paid off by now, if not paid off. I was in for a huge shock. I made a mistake once and will not ever make that mistake again, it was supposed to be for emergency purposes. Remedy Sought : I would like to recoup some of the interest rate that was/is charged on this loan. This practice is highly questionable in my opinion.
This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.
In XX/XX/XXXX, I received a postcard in the mail with a promotional offer for an XXXX XXXX credit card through Citibank. The offer stated that I would receive XXXX XXXX XXXX miles after spending {$3000.00} on the card within 4 months. I applied online using the unique code from the postcard I received and was approved for the card on XX/XX/XXXX. By XXXX, I had spent the requirement, but the miles had not posted. I contacted Citibank using their online chat feature on XX/XX/XXXX at approximately XXXX. A customer service representative ( CSR ) confirmed that I had met the spending requirement and stated that " I see that the bonus miles will post in 1-2 billing cycles. '' That phrasing was copied directly from the chat window. I was unable to copy and save the entire conversation, because the transcript disappears immediately after the CSR ends the chat. I then discarded the physical postcard that Citi mailed me, because I confirmed completion of the sign-up bonus offer with one of their CSRs. 

Throughout this process, I used the Citi online chat feature because it is a written record. Citi 's internal records will show that I contacted them on XX/XX/XXXX, and they should have the transcript of that conversation. 

By late XXXX, the miles had not posted. I used the Citi online chat box on XX/XX/XXXX at XXXX and talked to XXXX . I inquired about the miles and he said " As I can see that the retirement was {$4000.00} but as I have checked {$500.00} was left to spend by the due date XX/XX/XXXX. '' XXXX stated that my original offer was to receive XXXX miles after spending {$4000.00}, and that I did not meet that requirement. He also stated that Citi would give me XXXX XXXX XXXX miles as a goodwill gesture ( these miles were not posted to my account ). XXXX was unable to locate my initial offer and was not able to find a record of the chat transcript from XX/XX/XXXX. I was able to save the chat transcript with XXXX and have attached it. 

I used the Citi online chat feature again on XX/XX/XXXX and spoke with XXXX at approximately XXXX. She repeated the information shared by XXXX regarding the bonus mile offer. She was not able to find the chat transcript from XX/XX/XXXX, but she was able to see the chat transcript from XXXX. 

On XX/XX/XXXX, at XXXX, I contacted XXXX XXXX and spoke with XXXX . He confirmed that this card is linked to my AAdvantage account and that there are no other AAdvantage accounts open under my name. Therefore, it's not possible that Citi deposited the miles from the initial bonus offer or the " goodwill gesture '' into a different account. 

My experience is not unique. Several travel blogs and message boards detail identical situations dating back to XXXX -- customers received an XXXX XXXX promotion from Citibank, they confirmed with Citi that they reached the spending requirement and that miles would be awarded within a few months, they did not receive the miles, and then Citi claimed that their initial offer was not met. Screencaps of these posts are included as attachments. Similar experiences have been detailed in numerous CFPB complaints, including cases XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Navient student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XX/XX/XXXX. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XX/XX/XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.
My XXXX XXXX XXXX number is XXXX. We had earned 2 free night certificates through the Chase XXXX credit card. I had written down an expiration date of XX/XX/2018. We have booked a trip to XXXX and the last part was booking the XXXX XXXX XXXX, but when I went online the certificates were not there. I called the customer service line and was told the certificates had expired and was told to contact Chase.
I originally submitted a complaint concerning Experian on XXXX 2015 concerning an account that was previously deleted, then sold to another collection agency and Experian was the only to place back on my credit. They have not provided final resolution. Since then have dropped my score XXXX points on XXXX/XXXX/15 for my XXXX account credit limit increasing from XXXX to XXXX. No not me using the balance, but the limit increasing? Then here recently XXXX/XXXX/15 I was notified my XXXX that my score reduced again my XXXX points due to me paying down a credit card owned by XXXX by {$100.00}. This makes absolutely no sense. My scores with the other CRAs are XXXX - XXXX and XXXX XXXX XXXX . My score with Experian shows XXXX. It is always between XXXX points lower???? 
I have placed at least a XXXX complaints with them of the last two years for several items that they erroneously report. I am sick and tired of there incompetency.
I am a victim of Identity theft. I obtain my credit report for Experian, and I try disputing all the negative items that is being reported on my credit files and yet Experian is giving me a hard time to dispute these allege debt that are reporting negatively on my credit files. I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting Chase card, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX credit card as negative items or deragatory items on my credit report. These items are being reported as as deragatory or negative item and I want all these negative items that is being reported on my credit files to be Removed as I am a VICTIM OF IDENTITY THEFT. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit. I call experian and spoke to a rep name XXXX who advise me that they dont investigate when someone sends a dispute, they sent the dispute to the company and let the company investigate. They dont require any documents from the company to show what is reporting is accurate. I want experian to properly investigate the dispute without bias and prejudice. I feel like Experian is maliciously reporting negative item so that they can continue to make money from these so call companies that they are suppose to be investigating. I WANT PROPER AND ACCURATE VALIDATION OF THE NEGATIVE ITEMS THAT ARE BEING REPORTED. OTHERWISE I WANT ALL THE NEGATIVES TO BE REMOVE FROM MY CREDIT FILES.
Experian constantly claims I have had a car loan opened in XX/XX/XXXX. I have never had a loan nor have I ever applied for a car loan. The same inquiry shows a retail store account I opened. Again, i have no retail store credit cards. XXXX  states the following names that I have never used ; XXXX XXXX XXXX XXXX XXXX XXXX. My maiden name is XXXX XXXX XXXX, married XX/XX/XXXX to XXXX XXXX XXXX. AKA ; XXXX XXXX XXXX or XXXX XXXX XXXX.