WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681 . This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance
Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.
I recently received a call from the number from XXXX about some unpaid debt from XXXX. I called XXXX to confirm I had a zero balance. They have confirmed that. So I believe this call was a scam.
i made the mistake of having XXXX book me a flight/ hotel package with XXXX Airline for a price of {$400.00}. The package was a XXXX XXXX XXXX roundtrip with XXXX nites at the XXXX XXXX. I should have none it was too good to be true. XXXX called me up and bumped me off my flight. They offered to put me on another flight for an additional charge of {$250.00}. Initially I booked it but then i cancelled it because I suddenly realized I was getting XXXX with my pants on. XXXX offered me a XXXX or XXXX XXXX XXXX. I tried to use it for my trip but I could not get booked on the days I wanted to travel. 

I had to rebook with XXXX @ a cost of {$520.00}. XXXX just ruined my favorite holiday, XXXX XXXX XXXX. First XXXX signs you up. Then they bump you. and then they fleece you for the price of another ticket. When you refuse to buy another ticket because you know you are being rooked, they say WE 'RE SORRY ABOUT YOUR EXPERIENCE WITH XXXX AIRLINE. The XXXX they offer is about as worthless as a XXXX dollar bill. You ca n't use it to get where you are going on the dates you need to travel. XXXX Airline is a flying clip joint. This is my first exposure to XXXX and it will be my last. I would not be caught dead on such a scam airline. 

The kicker is that their fine print and legalize traps flyers like a spider traps a fly. once they get you in their orbit they can manipulate you and gouge you for more money, like they did with me. The majority of XXXX passengers will make it to their destination via a spam in a can experience. XXXX knows that they are going to torpedo the plans of a lot of customers like me. They call it collateral damage. But it is part of their game plan and they can live with it. Afterall, it nets them a lot of money. And unfortunately it is all very legal. Legal but unfair and unethical. I would rather French kiss a rattlesnake than ever fly on evil XXXX. Their CEO is a pit viper named XXXX XXXX XXXX. How does he manage to sleep at night?
Experian reported 3 collections on my credit report all from the same company XXXX XXXX. I disputed the report twice as these were corporate expenses not personal expenses & the corporation XXXX XXXX Under is defunct and dissolved and should not be reported on my personal credit report. 

In my dispute I have requested documentation from XXXX showing that this is a personal expense and they have not produced any. I have also called XXXX several times and left messages, have not heard back. 
I have also reached out directly with all 3 creditors and can not get a response. 

I am appalled and shocked that with no documentation or proof one can report to a credit agency and have it remain. This clearly is a business expenses through the corporation & therefore should not be reported on my personal credit report. 

Attached below is my dispute with Experian and the results These 3 collections appear only on Experian.
RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 et  seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.
XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years!  They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish  credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me,  and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX
Illinois XXXX of XXXX XXXX has inflated my child support amount up erroneously. Please see attached documentation to that effect. I have paid ahead of schedule and also have a post executed judgement against XXXX. Moreover, the alledge debt is not that the custodial parent of on Aid or belongs to the state. This is a wildly exaggerate estimate of back support that is userus and more important incorrect. When did the government get into to the business of settling perceived private debts. Debtor 's prison was outlawed a century ago ; consequently, why is this inflated incorrect amount being posted against my credit worthiness? The answer is this should be deleted immediately from my credit file.
When Navient was servicing my student loan, I called their customer service and asked them can I qualify for loan forgiveness since I am a public servant. They told me I do not qualify and failed to tell me what I can do to qualify.
Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.
Equifax is not providing any means to acquire my credit report as required by law. I have attempted to request my report through the tool for free annual credit reports website, through another credit reporting agency 's all-in-one paid feature, and directly through their website. 

Equifax 's website features appear to be de-funct. Several items on my report summary are inaccurate and the accounts have a "? '' with an unidentified creditor name. I am unable to view or dispute any items on the Equifax website. Although their website states you can also request your report by mail, the required form attachment is not a pdf as indicated. The form is not ADA-compliant and the form 's program is unrecognizable to my computer and unable to download. 

Equifax 's on-line verification process does not provide options consistent enough to verify my identity. I have been asked questions for identity verification where none of the answers are correct and there is no option for " none of the above ''. I am a former XXXX employee whose information was previously hacked and it is extremely important to me that I am able to access my credit reports to insure my identity has not been stolen. I do not understand why Equifax is allowed to operate in this manner and make it so difficult for consumers to access their credit? Are n't they required to provide an accurate means for consumers to access and dispute adverse information?
the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXXXXXX Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/2018XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History
This person MARK A KIRKKORSKY PC Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX has repeatedly hard inquired my credit report without my authorization. Has continuously sent me threatening letters and has continually harassed me about a debt that was n't even mine. I have never given this person permission to pull my credit report nor have I ever given him my social security number. He can not show any signed account agreement to me of any type whatsoever and I have told him repeatedly that I do not owe this money to him or anyone else. And i wish to file a complaint on the grounds that he is using illegal tactics to collect a debt from me which I do not owe. I never opened any account with this fleet response company or united rentals. He has not given me any documentation showing otherwise.
A payment was made to me from a verified payer on the XXXX of XXXX. The money was sent via echeck. The check has cleared the payers bank Paypal said the clearinghouse still has the money and they can not release it until the clearinghouse sends it to them. 
Paypal has a " hold til XXXX XXXX '' on the transaction summary in my account. 
I called paypal and spoke to their escalation department who told me they are instructed by paypal to say the clearinghouse has the money, I asked for a transaction number and was told they are not allowed to give them to the account holders or any customers Money electronically transmitted on the XXXX is being held by paypal until the XXXX If they do n't know where the money is, how do they have a set number of days for holding the money. Even when contacted and told the transaction was completed, paypal still refuses to release the payment to me They also play games with the " ok to ship '' and " wait do n't ship yet '' information on their payment activity log. When you call and ask why you have to ship the product without paypal knowing where the money is, they remove the " ok to ship '' from the info
Halsted collection with multiple phone numbers ( XXXX ) continues to call me about an alleged debt that occurred XX/XX/XXXX. Of this alleged debt the statue of limitations for the state of Connecticut has been surpassed. XXXX XXXX was the gentleman I spoke with today XX/XX/XXXX. After being informed of the statue of limitations XXXX XXXX claimed that he will continue the phone calls regardless of who I call and reported his company to.
Please investigate mortgage loan application # XXXX with Guaranteed Rate. The loan officer, XXXX XXXX and his boss, XXXX XXXX have refused to following federal/state guidelines concerning employment and grant assistance. Specifically, XXXX and XXXX XXXX XXXX, 2016 responses regarding XXXX full time employment requirement are inconsistent with the XXXX income regulations. Guaranteed Rate has misled me ( and Seller ) with pre-approval process. The company has discriminated against me by refusing to honor Indiana 's XXXX XXXX XXXX assistance program. In reliance of Guaranteed Rate 's misleading statements and invalid pre-approval documents, I spent {$450.00} on appraisal fees, and {$3000.00} in down payment expenses.
There is a medical bill on my credit report ( s ) from XXXX XXXX XXXX  XXXX in the amount of {$190.00}. I have NEVER been to this dentist nor had any work done by him. I am NOT responsible for this debt. I have NEVER entered into any contract with him and/or his office therefore this debt needs to be deleted from all 3 credit bureaus.
On XXXX/XXXX/XXXX, I had received a call/phone message from the subject collection agency, when they were previously duly advised per the attached correspondence to which there had n't been any other subsequent communication from them until now regarding a supposed amount owed to XXXX XXXX XXXX, which their client had either neglected or failed to timely bill me for. Thus, as a result, I had disputed the charges under contributory circumstances, as it took their client greater than a full calendar year which to bill me. There had n't been any communication from this Agency since XXXX XXXX, which is suspect for another date of service that I have with XXXX XXXX which may be causing them to look at ALL dates of service that I have with them, which there are only XXXX ( including this XXXX ) that are disputed. Since this agency had n't responded since XXXX XXXX with any other basis for collection and that their client had failed to resonably bill me within a full calendar year 's time, any other action at this point would seem possibly political and vendictive to me at this point.
I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided Equifax, XXXX and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX deleted the 2 accounts, but Equifax and XXXX   has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.
Go Financial financed a XXXX XXXX for me in XXXX. In XXXX I fell behind on payments and when I tried to call and pay they told me the vehicle had already been charged off. I did not pay on the car for two years and then one day they came and got it and sold the vehicle. Go Financial then went on my credit report and changed the status from charged off to " In repossession ''. I want this removed off of my credit report due to erronous reporting and them already collecting money for the car in their charge off insurance and selling the car again.
I received free-and-clear property ( primary residence ) in a divorce settlement in XXXX, XXXX. I then took out a HELOC loan with Bank of America ( " BOA '' ) to pay for debt incurred on the property to pay for renovations. In XXXX, the HELOC amount was rolled-over to a conventional, 30-year fixed mortgage ( sold to XXXX XXXX ) with BOA. However, BOA never filed the necessary paperwork to put the HELOC into a second position. Technically, I had ( XXXX ) first mortgages. Foreclosure was filed XXXX XXXX, XXXX. Because XXXX loans with considered first mortgages, they were treated as coupled together by the foreclosure documents. BOA kept the HELOC open on my credit report until XXXX, XXXX and erroneously reported late payments for years XXXX, XXXX, XXXX, XXXX. BOA admitted verbally that they were in error with the filing of the mortgage documents, with the title company, and with their internal accounting system. I have never received documentation concerning these transactions as promised. As of today, I am being denied credit for inaccurate information reporting by BOA to all XXXX credit rating agencies.
I had been going through a difficult financial situation and had 3 late payments on my XXXX XXXX. A representative from XXXX called and made me the offer to make a payment in full for the entire balance on that day and the late payments would not show up on my credit report. It 's been months later and it 's still showing up on my XXXX, XXXX and XXXX  reports. I 'm in the process of moving and these negative marks can negatively influence my chances.
XXXX mailed unsolicited pre approved credit card for {$150000.00} available credit XXXX and to call XXXX to activate to me received XX/XX/2016 ... .credit card enclosed in envelope for account XXXX ... no such account exists or ever existed. XXXX has a history with XXXX ... request action against XXXX. 

XXXX, IL XXXX
this is actually an installment loan but payday is the closes selection you have available on your site i got a loan in summer 2018 and was keeping up on the payments but then i got behind on my payments due to financial struggle. i told them i would pay them when i got my settlement from a recent injury. i am still waiting. i am XXXX XXXX and they are fully aware of this told several times in person and had trouble communicating with me because of it, one of their staff even came to my door and i explained that the closed caption on my phone was not working and i cant talk on the phone. and that calling me is only going to upset me once you are informed. within 1 months the calls started every single day from several numbers. i even set my answering greeting on my voice mail with a custom greeting explaining that i am deaf and i cant take a phone call. they totally ignore that and continued to call 11x so far. i provided an email address and text message phone number to them when i got the loan but they still wont respect me. they continue to call and leave messages telling me ( knowing i cant hear on the phone ) to " CALL '' them. i feel very discriminated and want actions taken!