WillisBack/dataset-financial-user-claim huggingface dataset:
Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. XXXX Account numberXXXX Unverified account 2.XXXX Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over XXXX days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail
When I ordered my American Express XXXX XXXX XXXX card I was promised XXXX XXXX Rewards Points after I spent {$2000.00} on the card in the first XXXX months of ownership. 

I spent more than that several months ago and I have still yet to receive my reward points despite several phone calls to American Express. 

They keep telling me Ive met the terms of the offer but no one can tell my why I have never received my points.
I purchased a XXXX XXXX XXXX in XXXX XXXX. I have made 2 payments so far but Sierra is reporting an increase in my original balance. My original balance was {$16000.00} but Sierra reported an increase to {$16000.00} on my credit reports
While browsing for an engagement ring on XX/XX/2018, I entered the XXXX XXXX store located on the XXXX XXXX XXXX in XXXX XXXX, MO. The sales representatives in the store mentioned an ongoing limited offer which provided for 0 % financing over 18 months on purchases. I stated that this is something I may be interested in, and they proceeded to request personal information for a " credit check '' to see if I would qualify for the financing and what my credit limit would be should I decide to purchase from them and elect the financing option. Even as I vocally hesitated that I was not sure that I even wanted to purchase anything from them and thus was uncomfortable providing my social security number, the sales representatives assured me that the credit check would not bind me to anything and it was primarily used to see a spending limit as I shop for diamonds. All of this took place before the jeweler brought out any potential diamonds to look at, so it felt as though this was a prerequisite to begin actually shopping at this store. I proceeded to enter my information, and they quickly ran a check and alerted me to how much financing I was qualified for. Eventually, I did not end up purchasing anything from XXXX at all. Over a week later, I received a XXXX Preferred Credit Card in the mail, which was the first time I was alerted that a credit card had been opened in my name. While in the store, there was no firm mention of opening a credit card, there was no purchase made that would require credit financing, there was no manifestation on my part of a willingness or desire to open a credit card through XXXX or Capital One, and there was no clear indication at any point that my entering of my personal information would lead to the opening of a XXXX credit card account.
The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX , LA XXXX ( XXXX ) XXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : XXXX XXXXBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXX/XXXX/XXXXHigh Balance : $ XXXXXXXXPast Due : & gt ; {$100.00} & lt ; Pay Status : & gt ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days inXXXX/XXXX and in XX/XX/XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : XXXXXXXXRating N/R XXXX C/O XXXX C/OXXXXXXXXXXXXRating XXXXXXXXRating XXXXRating OK OK XXXX OK OK XXXX
Equifax did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report Equifax has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company XXXX XXXX XXXX XXXX will not respond back to my request or will not provide me any information regarding this account also. So they 're not able to validate or verify the account so it must be taken off my credit report.
I filed my first complaint on this company XXXX/XXXX/XXXX. My complaint number is XXXX for items that were purchased on XXXX in the amounts of {$280.00} & {$320.00}, They waive these items but did not reimburse me for the whole dollar amount. Which should have been {$600.00}. They only reimburse {$480.00} and then they applied an unauthorized charge of {$450.00} to my account. I 'm providing my XXXX statement as my proof.On my XXXX statement, an item that I purchased on XXXX for the amount of {$1100.00} had a current balance of {$960.00}. I noticed in XXXX that same item had gone from {$960.00} to {$1100.00}. This item was purchased on a promotion and should not have incurred interest or even went up in price that only thing I did was make a payment for {$32.00}. I have included a copy of my XXXX purchase invoice. I reached out to XXXX XXXX XXXX XXXX around XXXX and around XXXX she stopped returning my calls.My current balance on my statement says {$1600.00}. But, I noticed when I add all my items up it 's only {$1500.00} that is a difference of $ XXXX.Since XXXX I have been getting the run a round on non-promotional balances and so call interest incurring on them. My statement does n't show and I was told I do n't have any non-promotional balances. But when customer service ca n't explain the interest that 's on my account they try and say it 's a non-promotional balance but ca n't tell me what the item or balance is
XXXX XXXX, XXXX Card. Today I tried logging into my account. My login information had been changed. I called online and I was told my address had been changed as well. I have since looked at my past statements and my address was correct and unchanged for the past year. After logging in I found out that my credit limit had decrease. I tried contacting live chat twice. At first I could not type and I was disconnected. I explain what I stated above and I am told we sent you a letter - how did you send me a letter if you claim my address was wrong. I then state that my payments are automatic, never late and my pay scale has increased. I asked when they changed my limit. They refuse to answer and say my credit report was used to lower my limit. I asked for corporate contact email and phone number 6 times and they provide me with a name and nothing more. Then I received a link to provide them with a compliment for customer service. They should not have decrease my limit, lowered my credit score and ignored my requests in writing for information. I tell them that my identity was stolen last year and that was the only way I was transferred to a manager who tells me to have a sunshine day. I want the company investigated for fraudulent practices
I applied for another credit card from my existing bank where I am a long time and premier customer. The application was submitted  XXXX   XXXX  online and I received email confirmation indicating that my application was received and will be processed. If for whatever reason the application was denied, I would be provided a verbal explanation. If there were no isssues, the card would be sent with in 5-7 bu siness days. On Monday  XXXX   XXXX , I called the bank inquiring about the card because I received mail about my fico score ( above  XXXX  ) and I check on my online banking and it shows the new credit card as {$0.00} balance and part of my account summary. Because I had received  the credit score notific ation and saw the card on my online banking, I assumed that the card was approved however I had not yet received it, which was concerning. When I called  Wells Fargo  on  XXXX   XXXX , I was told that the card was not sent yet but since I a a premier customer it can be shipped to me in 2-days free of charge. I sai d ok. Today I re ceived a  XXXX  package with the wrong card. They sent me a replacement card from  XXXX  of my existing credit cards that I did not ask for. I just called  Wells Fargo ri ght now,  XXXX   XXXX , to indicate that the wrong card was sent and that I am greatly concerned about the Visa that I have still yet to receive. She indicated that the card was sent on  XXXX   XXXX  and that the banker I spoke to on  XXXX   XXXX  was incorrect.
After one missed auto-payment to LGW I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( Lustig, Glaser and wilson ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.
I have submitted Re-Entry documents to Wells Fargo for an FHA modification with an income that would more than qualify me. With the help of a HUD Consultant, I was able to do a proper analysis that showed I would qualify. Instead, Wells Fargo showed inaccurate and false numbers to disqualify me from Re-Entry to be approved for an FHA modification. The representative I spoke with in regards to the status of the Re-Entry was very unprofessional and initially refused to give me her name and ID #.
Credit reporting company will not remove paid tax lien even though documentation states that it is " paid, satisfied, and ordered cancelled from record '' as of XXXX XXXX, 2015.
Wells Fargo has taken of {$5000.00} from me in " fees '' since XX/XX/2016 ... about XXXX % of my yearly income has been taken by Wells Fargo in " fees ''. Wells Fargo has just recently taken {$1200.00} from me in " fees '' from XX/XX/XXXX to XX/XX/XXXX. XXXX separate instances of {$35.00} " fees ''. That is equal to my bi-weekly paycheck. During this time a Wells Fargo ATM jammed, holding half of my deposit and freezing the ATM. I told Wells Fargo and they adjusted, then reversed the adjustment on my account without warning, making it impossible to know the balance ... and then charged more fees. A few weeks later Wells Fargo froze my account, not allowing me to make deposits at ATM 's and not explaining why. Without the deposits, i could not pay bills, causing me to lose my health insurance and make other bills late ... Wells Fargo sent a letter 3 days after the hold as a " notification '' ... and all the while charged more fees. I made a {$1000.00} deposit and Wells Fargo held it for over a week. When I called the branch they said " because I had incurred so many fees they were holding the deposit because they thought it may not clear?! I explained this was a check from my father ( with the same last name and who was willing to call the bank!! ). They instead just rudely hung up on my and continued to charge me fees..though I did n't randomly get a phone call from a Wells Fargo employee days later saying they changed their mind and released the funds??? More of my money has been taken by Wells Fargo in " fees '' then has gone to any other single business entity. I have been financially ruined and my credit destroyed ... I work hard, around 60 hours a week and have me crushed by this bank and do not know what to do ...
I went to my doctor 's office ( XXXX XXXX XXXX XXXX ) in XX/XX/2017. I received a bill from them in XX/XX/XXXX for my {$30.00} copay and paid the amount. 

They referred the account to collections at RMP, LLC ( Receivables Management Partners ) where they agree the debt has ben paid but that I owe a {$7.00} " collection fee '' They stated they mailed me a statement showing that the XXXX is owed but I did not receive this. 

I attempted to make another appointment with XXXX XXXX XXXX XXXX and they advised they would not see me until I paid the amount outstanding. I called RMP and spoke to a XXXX XXXX, advising I wanted a bill mailed to me showing the amount that was due and for what reason. He refused to send me a bill, stated I owed they money and needed to pay it.
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This creditor XXXX XXXX XXXX XXXX XXXX has consistently changed the bankruptcy file date whenever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
I paid my loan off within the 30 days before the interest was attached to the loan. I went in and paid cash to the loan officer. the money was n't ever credit to my account. when I asked about the lady that took my money, they advised that she no longer works there. when I talked to the manager she stated that she will make sure I will not have anything negative reported on my credit. due to the fact that my money came up missing
On XX/XX/2016, I received a phone call from someone claiming to be calling from Wells Fargo 's fraud department. After being unable to identify me by phone, the associate told me to immediately go to the nearest Wells Fargo branch. Unfortunately for me, the closest branch was the XXXX on XXXX in XXXX, California. 

After waiting in line for over XXXX minutes, when I finally spoke with a teller, I was told that I needed to speak with a personal banker, and to have a seat. After waiting for another XXXX minutes, I was approached by XXXX. 

XXXX was almost immediately hostile and aggressive. She never asked how I was doing and began in on a XXXX line of questioning : did I have an account with Wells Fargo, why was I here, who said I should come into that branch, did the fraud department tell me why I needed to come in? The last question is seemingly the most absurd as the fraud person I spoke with on the phone earlier would not tell me why I needed to come to a branch, and now the banker at the branch was asking me why the fraud department had asked me to come to the branch. 

After answering all her questions, XXXX was unable to figure out the reason why I was asked to immediately go to the nearest branch. Eventually, the service XXXX at the branch ( XXXX ) was brought in to figure out what was going. 

By that point, I was realizing why people really hate banks, and why this particular Wells Fargo branch is known as the " white '' Wells Fargo. 

After about an hour, I decided that Wells Fargo was not an institution I 'd like to continue to bank with. I then asked XXXX to close my account. As I was waiting for XXXX to close my account, XXXX of the branch employees accused me of recording, and then had the security guard escort me out of the branch. Ridiculous. 

I 'm unsure what state this is account is in as I was asked to leave the branch before being given my funds.
I owed XXXX to chase at the end of the day my wages were garnished more than XXXX
I had a XXXX in XXXX 2015 while living in XXXX XXXX, Iowa in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. XXXX, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, Indiana. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.
There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle.
Our home loan is a balloon, we knew it would need refinanced and worked hard for two years to build a good credit score to prepare for the refinance, when it came time to refinance we had a great score but was shocked to learn that we are underwater and lenders would not finance the full amount. The first step we made was talk to the mortgage company and ask for a modification of the loan by either extending the length for a few years to 30 yrs, at least until we could wait out the value decline and hopefully improve value as well. We were immediately declined because " We both have jobs and can afford our monthly payments '' to which we completely agreed except for the balloon has now matured and we are not allowed to make payments. We then found a company that would refinance at the value that was stated by Mortgage company and submitted it as an offer of settlement. Example home mortgage owed is XXXX we offered XXXX the mortgage company kept sending letters that it was under review and had us wait even longer ( no payments allowed to be made ) We are not going to look good for our credit now. Today I was told simply the lender wants full amount, we do n't have liquid assets to make up the difference we explained that. No explanation as to why our settlement was declined. I was told our next step could be Deed in Lieu.
Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, and XXXX  XXXX
The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( XXXX, Experian, XXXX ). The accounts are as follows XXXX XXXX XXXX XX/XX/2010 Balance {$4400.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$9700.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$12000.00}.
I contacted TransUnion credit reporting about an incorrect account reporting on my personal credit bureau. The account reports that an XXXX XXXX   account was included in a Bankruptcy which it was not. TransUnion credit reporting refuses to remove the account.
The debt is with XXXX XXXX XXXX now being held by Midland. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over XXXX. Midland is suing me.
On XX/XX/2017 a deposit was made in my Capital One 360 checking account. The deposit was a mobile deposit by my brother in law. It was a personal check paid to him for services rendered in the amount of {$750.00}. This account also gives the ability to link other accounts so that I can manage multiple accounts including non capital one accts, in one place. After 2 or 3 days a hold was placed on my account as well as all the accounts linked to this acct. All funds in all accounts were frozen. I was ordered to call a number and was eventually routed to the fraud department. I explained as well as I could the circumstances surrounding the deposit. The agent asked that I have my brother in law call. According to my brother in law, he called spoke briefly about where the check had come from and their hesitancy to clear it. My brother offered for the return of the check so he could cash in bank.They stopped talking to him when it was learned that he wasn't primary acct. holder. To this date, almost 4 months later the deposit is held and accts haven't been released.
on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.