WillisBack/dataset-financial-user-claim huggingface dataset:
The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
I have requested that TransUnion ( TU ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. TU is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, TU stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to TU. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
TU filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. TU states if after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results. The U.S. Bankruptcy Court has been contacted and states the U.S. Bankruptcy Court dp not report to credit bureaus. 
TU continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years. TU continues to re age the account due to not showing the last date of activity. 
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Hello, I have filed a complaint with Wells Fargo on XXXX XXXX about my checking account.They told me they will answer me within 5 days and they never did. I have made multiple calls and none of them gave me a decent answer. What happened was that I got charged twice at the university for my tuition, so Wells Fargo refunded my money. The university for some reason gave me extra money on that matter, but I had to pay them back. On XXXX XXXX, XXXX University deposited {$410.00} in my checking account and that is the money I have to pay them back. It is included on my tuition and i have proofs. On XXXX XXXX, Wells Fargo took {$410.00} out of my checking account. I have filed a complaint and worked with a banker in town and have not solved the problem. I have reached out to the Vice-president of the Business Office of XXXX University regarding that matter. She told me she has contacted Wells Fargo and still has no answer. I am very upset with the situation and have tried everything I can. I have contacted the FDIC and they preferred me to you. 
I 'm looking forward to hearing from you. 
Sincerely, XXXX XXXX
This insurance company cancelled my insurance, so i switched to another one, so i will not pay this debt!!!
I had never received any notice that they were even trying to collect for an account until i seen it pop up on my credit they are saying it owed to a hospital called XXXX  XXXX i have never visited a hospital with any name like that i always have an always will us XXXX XXXX. Also the date they gave that suppose services were done i was not in any hospital on thoughs dates. They have a inaccurate address on the account that i never have even resided at. I am trying to better my life an purchase a home an this has now knocked my credit way down after a 3 year process to bring it up. This Account is invalid an is not owed from me.
Person calls almost daily about an uncollected debt from Midland XXXX XXXX. I do not have any uncollected debts and I tell him that but he keeps calling anyway.
I obtained my free annual credit report online on XX/XX/2017. As of XX/XX/2017, a negative account is scheduled for deletion, I attempted to check and dispute online as of XXXX on XX/XX/2017 but was unable to do so, no matter what computer I used.
I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. 

These demands for payment states that I also failed to respond to request for information this is also a false statement. 

I have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. 

I have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. 

If you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
XXXX from XXXX XXXX XXXX XXXX ( XXXX ) or ( XXXX ext XXXX ) called me at work and told security it was an emergency and then told XXXX XXXX it was an emergency and they were coming to serve me at work today at XXXX. Because of this I was suspended for the rest of the day because it was not an emergency. When I called back was told that they could call me at work anytime, because I supplied my phone number. The lady was very argumentative. Did not even get to discuss what the debt was for. The XXXX XXXX department even has a voice mail where XXXX is stating they will be at my job to serve me.
I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.
I spoke with the company about paying the debt XX/XX/2018 which only occured bcus i didnt have gap insurance.. ever since i suffered the loss of the vehicle the company has been reporting as if it was a repo of {$10000.00} instead of a loss that was paid by my insurance minus the gap part..i talked to the rep who stated if i didnt accept her pay to delete which was {$800.00} and pursued my complaint back thru the credit bureau she will add additional interest on to the account which she state is {$1500.00} right now..i cant afford to pay for this debt right now i just want the correct amount to be stated on my credit report
i was forced to register for an application called XXXX just to receive money that was transferred to me in the same way I 've done 100s of times. It was register or do n't get your money. 

Seems like BofA is trying to leverage their customers into using an application other than XXXX or XXXX, their competitors. 

I do not like being forced to use an application, this is probably an anti-trust issue as well. These banks are too big and bully people around.
I am receiving emails from Capital One Credit Card for a XXXX XXXX, her credit card personal information. I do not have an account with Capital One. I have contacted Capitol One on several occasions and asked them to stop sending her credit card personal information to me. Listed below is a copy of the emails I have recieved within the past 2 months and a detailed email with her information. I have unsubscribed on the email and are still getting them so this is my last resort on how to handle this situation. Detailed email Sign In Your Capital One statement is ready. About your account ending in XXXX XXXX XXXX, Your statement is available. If youre ready, you can make your payment now. Statement balance : {$500.00} Minimum payment : {$180.00} Payment due date : XXXX XXXX, 2017 by XXXX XXXX ET You can also review your account summary and pay your bill with our mobile banking app. 
View Your Statement Make a Payment Did you know? Paying more than the minimum amount due on  your account each month can save you money in finance charges.
XX/XX/XXXX I applied for a promotion of you Citigold debit card. 
Promo code : XXXX My Debit card # XXXX Checking Account # XXXX Since I met the requirements to received XXXX XXXX miles in XX/XX/XXXX, I have been calling many times Citibank to report that I have not received the promised XXXX miles of the promotion. I have spoken with numerous people, supervisors and sadly to report, none of them cared. I had even opened cases, ie. 
case # XXXX but nothing has been done, nobody takes ownership of this issue, nobody cares. Last time they told me they needed my XXXX # to post the miles, which I again gave to them several times, but nothing happened. 
So after more than 6 months of contacting their people more than 12 times, the issue is still not resolved which is very upsetting. I even talked to supervisors several times but nobody takes ownership and it seems nobody cares at all.
They called my ex husband in another city and tried to say they knew me and were looking for me. They gave him a false XXXX type company name. They harassed my granddaughters father by saying that they received his number by going through copies of my phone records. They are sending me text messages saying that I am already pre approved to student loan forgiveness when I have ever spoken to them in my life. When I call back to ask when the forgiveness starts, they say I have to fill out paper work to see if I qualify. I have had it with these crazy people.
Wells Fargo has been charging me overdraft fees because their system did n't post my atm withdraws from mom and pop stores until days later even though when I made the atm withdrawals, I had adequate funds to cover the withdrawals as authorized by Wells Fargo on each transaction. I am told by Wells Fargo that the problem was that there was a delay in their system.
Equifax haven't been updating my information ( Credit Score ) since XX/XX/2014.
I applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.
This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title. 
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.
Shellpoint Mortgage XXXX Refuses to pay my City taxes despite $ being escrowed in excess of amount.
Equifax is listing an incorrect Social Security Number on my credit report in the Other ID section of the report. 

They list it as XXXX XXXX. It was reported on XX/XX/2016. 

I have never had this Social Security number and it should be deleted from my credit report.
Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says  Loan no .  XXXX    XXXX   XXXX   borrower   XXXX   XXXX   XXXX   XXXX  , mi  XXXX . dated  XX/XX/XXXX  &  XX/XX/XXXX    ID #  XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of  XXXX  To ;  chase manhattan  mortgage corporation attn : financial process dept.     XXXX   XXXX   XXXX   XXXX  .     XXXX   XXXX  . Ca  XXXX  Please explain to th e CFBP.
I purchased a XXXX blender with my Best Buy Credit card on X/XX/17. In the following statement I started receiving charges for payment protection for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while I had not signed up for payment protection.

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I was charged the following : XX/XX/XXXX : {$1.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00}
Caliber Home Loans added a separate, completely unrelated, parcel number to my account and demands that I put into my escrow that property 's taxes, in addition my own. They have used my escrow to pay the taxes for both homes. They state that I owe over {$5600.00} for the other property. This is completely false. I noticed this two weeks  ago. 
Their tax department is " researching '' while their mortgage department has increased my monthly mortgage from about {$1200.00} to over $ 2,300/month. The tax department and the mortgage department do not communicate. 
The mortgage department is aware of the tax issues but refuses to keep my original mortgage payment active until this is resolved. I have continued to pay my regular mortgage amount. This, according to them, has put me in arrears on my mortgage payment, and they send me debt collection letters, plus their debt collectors call me several times a day. They state that I owe over {$3000.00} in unpaid mortgage bills. 
Their customer service department stated today ( XX/XX/18 ) that they will not fix my credit, which is now ruined due to their mistakes, they will not refund the added fees I have accumulated, and they refuse to remove the unpaid ( completely false ) mortgage amount from my account. 
My county 's auditor has confirmed that the parcel added to my account does not belong to me, has never been listed under my name, and they stated that my own taxes have actually decreased. 
I am currently trying to fix this issue and have done so for over two weeks. Caliber Home Loans have been less than helpful, and is, frankly, completely incompetent when it comes to this matter. 
I have contacted the XXXX, my original mortgage broker has never seen anything this messed up in her entire career ( she is currently involved ), and will contact the Texas State banking division.
My credit report and credit score has suffered adversely because of the Equifax Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXXt was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS Equifax DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX pm XXXX US ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by EQUIFAX RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against EQUIFAX!!!
Information is being inaccurately reported on my credit reports. The information is being reported by Nelnet. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with Nelnet. On XX/XX/XXXX I faxed a dispute to Nelnet advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called Nelnet on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that Nelnet has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why Nelnet is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Recorded message collecting debt and asking for someone whom we do not know and has never lived here ( we 've owned this phone number for 11 years ). Requests to stop calling us have gone unanswered.
I received a title loan with 800 Loan Mart in or around XXXX XXXX. I defaulted on the loan XXXX XXXX because the car was not working and I was paying for one repair after another to no avail. I called and emailed 800 Loan Mart hoping to work out payments apart from the contract to no avail. 800 Loan Mart sold picked up the car then sold it at auction during which time 800 Loan Mart has claimed more than 3 times the original loan amount often reporting under multiple different names as collection and/or open credit at the same time, siting the account under multiple different terms along with different account numbers and/or history and payments. I believer their business practices a damaging my name. Please look into their billing and accounting practices along with their reporting practices to the major credit bureaus.
On my credit report I have 5 XXXX XXXX accounts listed. I have tried to rectify this situation with the lender several times. Recently, I went to court at the XXXX XXXX County Court house where the Judge has dismissed Navient 's collection efforts. I have tried numerous times to have this removed from my credit report and have not received any feedback from Navient. These loans do not belong to me and I was able to prove this in court some months ago. Once again I am asking for this negative information to removed. I have never signed any documents for these loans with Navient or any other student loan company. Please review the attached documents and please provide any and all information that would substantiate any of this being reported on my credit report. Even if these loans were mine, judging by the information on the credit report the statute of limitations has been surpassed and ask that all this negative information be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX