WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
I've request Transunion to remove inaccurate inquiries on my credit report and they have not done so. 

The following inquiries I've request to be removed due to inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
somebody got ahold of my social security number and got a loan from cash net usa in my name. they said that put XXXX dollars in my checking account on XX/XX/2017. this did not happen.
Diversified Consultants is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
I contacted XXXX and Transunion during the week of XX/XX/XXXX thru XX/XX/XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
The company reports that they hired a private investigator to contact me. This PI contacted 3 of my family members at their place of employment. The PI disclosed that I was being sued for debt and demanded that they provide her with personal, identifying information. She called my brother-in-law, a XXXX for a police department, 6 times on his work cell phone. He was obligated to answer as he thought these calls were work related. These calls were inappropriate and interfered with his ability to perform his work duties. These calls also placed him at risk during an already risky occupation. The woman was harassing multiple family members by calling them at least three times while they were at work. She also called my terminally ill parent and scared them. Over 25 calls were made within a three hour window on XX/XX/18. I called the company to file a formal complaint and the first woman hung up on me ; I called back and a gentleman said they can not do that. They would not release the information of this woman ( PI ) and they would not allow me to speak with someone in charge. Additionally, they did not have valid or updated information which was why they were unable to contact me. This company uses fear tactics, harassment, and shame to pressure people into releasing personal information. Their tactics are harmful to people who are already in an unstable situation. Please note that when I was actually contacted and made aware, this debt was paid in full.
Eastpoint Recovery Group , Inc. has continued to call and harass my parents about a debt from me. They have made threats to my parents, cursed at them, and given all my debt information. They call their house several times a day after they have been asked not to call again.
I would like to report the XXXX  XXXX XXXX account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by XXXX  XXXX XXXX itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
I wanted to purchase a TV. I went on the HHGreg website and reviewed an opportunity to apply for a same as cash offer to buy a TV. I went through the purchase process and when it was time to get financing, there was no link to the application. So, I went back to the offer page and applied that way. I was approved and given an in store reference number. However, I could not use the reference number to pay online. I was also offered a XXXX % discount by HHGreg if I signed up to get emails, I did that. I was also going to use that discount for my purchase. I then called Synchrony Bank to see if I could possible get my account number in order to use it to purchase the TV on line. They said it was not generated yet. Due to work, I was unable to get to the store by Saturday when the sale was going to end. I then received another email ( from HHGreg ) saying the sale was extended to Sunday. On Sunday, I went to the store. That morning, I checked the internet and the sale price was still the same as it was on Thursday ( {$1100.00} ). I went to the store, and the sale associate said the TV was now a {$100.00} more ( {$1200.00} ). They would not pull up the website to verify it. They then told me the same as cash offer changed to 24 month from 36. So, I left the store. I went home and went back on line. The price of the TV was {$1100.00}, so I went through checkout. When I got to the end, I called Synchrony Bank. The IVR matched my phone number, I answered all the security questions, and asked for my account number so I could purchase the TV. The rep transferrered me to another rep who refused to disclose the account number. She said that HHGreg prohibited them from giving me my account number. I told them that I was purchasing a TV and that I would be receiving it in 7 business days anyway. She still refused. I asked to be transferred back to CS and closed my account. I feel as though they were playing some bait and switch game. Synchony bank now has my personal information. I have a hit on my credit report and I 'm not going to use the credit I was offered. I 'll never do business with either company agian.
Unlike in the US, about 90 % of the customers that have mortgages do not bring a hazard insurance policy to the closing, thus the bank affiliate place the hazard insurance. Last XXXX an insurance company started offering a policy directly to the client offering a 20 % cash back if there were no claims on the hazard policy. A lot of clients have decided to purchase this policy. However since the hazard policy is paid from the escrow account, altough the client has chosen the new policy, Banco Santander Puerto Rico has declined to follow the clients order. And instead of paying the policy chosen by the client, they pay the policy that they had on file, which most of the time is to their insurance affiliate. The order of the client is signed electronically with the e-sign program. The bank excuse for not paying the policy is that they are waiting from their legal derpartment to see if they can accept the electronic signature. Since XXXX Banco Santander has said theat they are waiting from the legal department. We are now in XXXX and they are still providing the same excuse. Meanwhile Banco Santander is using the money in the escrow to pay their subsidiary and not paying the policy chosen be the client, thus depriving the customer of getting the 20 % cash back.
I looked at my report a few days ago and found that XXXX XXXX formally XXXX XXXX is back on my report. XXXX was previously disputed and deleted off the report so I should not be back on the report. I called a gentleman on XX/XX/XXXX who stated they can not remove it. I need this removed as it is illegally on my credit report.
I am writing concerning my experience with Capital one that is both a grateful Thank You and a pressing request concerning a tradeline in my credit files that I would like to have revised. 
I have had my Capital One Mastercard for almost a year now and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XX/XX/XXXX, I was 30 days late on my payment. I was on XXXX XXXX XXXX from my job for 6 weeks in which I received 60 % of my salary which led to this 1-time lateness. I am the  sole provider for our family. I did use what little savings I had to cover our living expenses but, this left us in an unfavorable position financially. Concessions had to be made and regretfully, this led to a late payment on my Capital one MasterCard account. 
The shortage of income, even though it was a short period of time was a brutal wakeup call for me concerning financial responsibility. Since that incident, I have learned the the essential organizational and financial management skills I desperately needed at that point and my payment history since XX/XX/XXXX reflects that. I wish to thank you for your renewed confidence in me for giving me a second chance at a positive relationship with Capital One, one that I am determined to keep untarnished.

My wife and I are about to begin the process of purchasing a new home, and it has come to my attention that the late notation from Capital One may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my status with Capital One, I am requesting that you please give me a second chance at a positive credit rating by revising that 1-time late payment from XX/XX/2017. I simply hope that there is redemption at Capital One, and I plead for such consideration. 
I have called Capital One explaining my situation about 2 months and the service agent told me that if set up AutoPay and dispute it with all 3 credit Bureaus that they would not answer the dispute thus having the credit bureau change that 1-time lateness to a positive. I have tried that and nothing happen. So now I am reaching out to you with this letter. 
If any additional documentation would assist in reaching a positive income, please feel free to contact me. 
I thank you again for the time you have spent reading this correspondence. 
Very Hopefully yours,
US BANK CALLED TO TELL ME THAT THERE WAS SUSPICIOUS ACTIVITY IN MY AC & THAT THEY CLOSED MY AC.THEN THEY WROTE TO ME SAYING THAT MY BALANCE WOULD BE TRANSFERRED WITHIN XXXX BUSINESS DAYS.THAT NEVER HAPPENED & NOW WHEN I CALLED US BANK THEY GAVE ME A NUMBER, THAT NUMBER GAVE ME ANOTHER NUMBER & SO ON & SO ON. I CHECKED ONLINE & SEE THAT TYPE OF ACTIVITY IS REGULAR WITH US BANK. I NEED TO CHECK MY OPTIONS OF RECOVERING THE {$300.00} ODD DOLLARS I HAD IN MY AC, I ALSO NEED TO EXAMINE MY OPTIONS OF RECOVERY FROM THEM.
I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.
I am listed as co -- borrower on my son 's student loan. The current account holder is   XXXX   XXXX   XXXX   XXXX   . I contacted Experian when I was turned down by my bank because Experian still listed the debt on my credit report ( credit report attached ).
I called Experian to remove this item from my credit report after it had passed 7 years of reporting this debt. It is plainly stated on the attached credit report that the ( DOFD ) date of first delinquent was  XX/XX/XXXX . The item should have been removed by  XX/XX/XXXX . It still remains on the account stalling my bank activity. Experian Report #   XXXX   
Experian passed the inquiry on to  XXXX  who responded that the negative account should remain longer. They said that upon their investigation it appeared that the account on my credit report would remain for another 6-9 months. They suggested, but did not furnish any proof, that they had applied an overpayment ( {$10.00}. spread over 3 months in   XXXX   ) to increase the remove time. That was not my son 's instructions for any overpayment. It appears that Experian has " re-aged '' the account to my detriment.
i had a car loan with united finance my mom was in the hospital XXXX and i missed only XXXX payment the next month i tried to make it up and they refused to let me make my payments the man was yelling at me and i was just trying to make a payment
I have a XXXX XXXX credit card. With this card loyalty rewards are accrued. I made a purchase of {$480.00} of which I applied {$450.00} loyalty points. The {$450.00} of loyalty point to be applied was displayed on the receipt. 2 of the orders totaling {$100.00} were on back order. The order was placed onXX/XX/XXXX. All the items totally {$370.00} were shipped by delivered byXX/XX/XXXX. I was not notified of the 2 times being of back order. I called the company any they communicated that the loyalty points woudl be applied once the total amount of the delivered items exceeded the loyalty points amount. On XX/XX/XXXX, the first of the 2 back ordered items were delivered in the amount of {$95.00}. The total amount of the delivered items was {$460.00}, which is greater than the {$450.00} reward dollars. The next statement date closed at XX/XX/XXXX and the amount had not been applied. I called several times through process and it was communicated it would be applied in 3 to 5 business days. The credit card company did n't apply the credit and instead charged me for {$25.00} of interest. This I called them and they would not remidate this situation. It is now XX/XX/XXXX. No credits have been applied to my account, and instead they have charged me  interest. This credit card company needs to be thoroughly audited as this is the 4th time i have had to call to get loyalty credits applied. I am sure there are hundreds of individuals getting XXXX out of earned credits and also being charged undue interest.
I filed a dispute with XXXX XXXX XXXX on XX/XX/19 regarding Midwest Recovery Systems alleged collection for {$1000.00}. XXXX notification response indicated the collection is accurate. 

I contacted Midwest Recovery Systems today on XX/XX/19 and reported this is false and identity theft as I have never opened this type of account. I also requested hard copies of the original contract to review for myself the validity of this as I know I did not apply or take out this type of loan. The company kept transferring me and did not respond with the information I requested.
loans serviced by XXXX XXXX. I was mislead by customer sevice more than once re : available options for consolidation and refinancing. told it was a bad idea to consolidate. not informed re : forgiveness options for working as a registered nurse. as a result I could only afford to make interest payments and was not given proper information until loans taken over by Navient
Capio Partners listed 3 accounts in the amounts of {$1300.00}, {$520.00}, and {$160.00}. I have medicaid and should not have these on my credit. I would like these removed immediately!
On XX/XX/2018 I received correspondence from JCPenny, XXXX XXXX XXXX, XXXX FL, XXXX. On the envelope it states, " Important Information about your account ''. On the inside their is among other things, a XXXX XXXX Section 1 : Rates and fees table, JC Penny Credit Card Account Agreement. I have never had a JCPenny account, have never authorized JCPenny to open an account, or authorized XXXX XXXX to open an account in my name at my address.

I think they are fraudulently creating accounts.
I have submitted multiply request asking them to remove XXXX XXXX  they have 6 accounts that do n't. Belong to me Please help remove this incorrect information
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from Transunion, XXXX, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, XXXX, nor TransUnion have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, XXXX, or Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.
I received notice that there was a {$700.00} unauthorized charge from my XXXX  to some woman named XXXX XXXX ( though this might be fictitious ) with the user name XXXX. I tried to request the {$700.00} back, even though I knew that would be futile, but I got the message " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. '' The date of the payment was XX/XX/2018. I am not familiar with the person who was paid ( XXXX XXXX with the user name XXXX ). XXXX 's payment feed showed no other payments, so I am guessing that this a fictitious pseudonym used for the one fraudulent transaction.

Following the Unauthorized Charge Procedure in the user agreement, I contacted XXXX. I received a reply back that XXXX   's investigative team would contact me within 1-2 business days. Instead, I had to wait 8 days. On the 8th day I received an email from the investigative team asking for more information. Shortly thereafter, later that same dame, I received follow up email at XXXX XXXX EST informing me that XXXX  had " received the dispute. '' Within two minutes, at XXXX, I received an email informing me that my dispute had been denied. That was it, an entire two minutes to analyze my case. That is unacceptable.
To Who m it May  Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous  Reptg. Age ncies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc s ec #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX