WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have contacted Experian on XXXX different times and they have not responded once. Dates i contacted them 1.XX/XX/XXXX2016 no response, 2XX/XX/XXXX2016 no response, 3. XXXX/XXXX/2016 no response, 4.XX/XX/XXXX/2016 no response, 5. XXXX/XXXX/2016 no response 1. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX 2. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX I Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
5. The infomation is incorrect for the following account XXXX SALES LEASE OW Account Number : XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

15. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

16. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Affiliate Asset Solutions called my work twice, even after I told them I could not accept personal calls at work. I have told them twice orally and sent them registered mail. Guess the next step is a lawsuit.
I called in to downgrade my Citi AAdvantage Gold card to a Citi Diamond card within a few weeks of the annual fee posting, and was told that the fee of {$50.00} would be erased by the time the next statement posted. It did not, so I called in, and learned that I would be refunded the fee " within 51 days of account conversion '', or XXXX XXXX, as the account conversion process does not begin for another few weeks, despite my old card already having been closed and my new card already been received. I will now have to pay the annual fee to avoid having my account go into default, even though they told me it will be refunded.
I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to. 
Sincere XXXX
I was hoping by chance you could help me or guide me in the right direction. I received a loan from Western sky approx XXXX XX/XX/XXXX and around XX/XX/XXXX my loan was transferred than to XXXX for a few months, and then to Delbert services. I faithfully paid them {$750.00} per month and did n't really understand why my loan was transferred. By accident I was surfing the web to get Delbert services phone number and ran across the different complaints stating that the above lenders was fraud and no more payments should be paid to them. I cancelled my account they takes debits from. I 'm now receiving calls after calls from delbert services attempting to get payment. Each time they call I block the number and they call from another number. They are calling from all over the world. I asked XXXX of the representative if they were legal to practice in XXXX, IL and each XXXX said yes. I asked if they could send me proof that they are legal to practice here which I have yet to receive. How can I get them remove from my credit report if they are fraud? I obtained the order off Professional Regulation stating that Western Sky and its affiliates is ordered to cease and decease. I tried disputing Delbert Services off my credit report which they stated they have reason to believe the debt was mine. I never received a loan from Delbert Services it was transferred from Western Sky whom was not legit. Please help me. Thank you.
I had a two year contract and fullfilled this contract and went to a new company after it was up.I payed my cell phone bill for two years like the contract said.
Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.
I have been trying for the last 2 weeks to obtain an SSI Statement so that I may start the process to file for SSI insurance. However each time I try to access the system I am rejected due to incorrect information. I spoke with SSI and was told that he information used to verify my identity is done through Equifax and was given a number to reach someone there never the less all I kept getting was an automatic system which was no help. I went online to obtain a number for Equifax so I could speak with an customer service agent and I got someone name : XXXX who basically tells me my name is incorrect even though on my credit report I get from them I can see my name listed as though it is an fraud. I was married in XXXX and had my last name changed legally all documents Social, ID, tax returns, home lease, utilities, and employment are under my marriage name. But since Equifax has not updated the information and this is one of the main credit bureau that companies use it is like I am using fraudulent information. I was told that my information would not be changed until I submitted information to them but when asked for the address after having to request to speak with a supervisor who I was told would not speak to me I was given the following address : Equifax XXXX, XXXX XXXX Ga XXXX the correct address listed online is Equifax Credit Information Services , Inc XXXX. XXXX XXXX XXXX, GA XXXX .Maybe it is me but it seems as though there is some information missing from this address I repeated and asked at least 3x times if this was correct. I feel like the way the customer service agent handles calls was definitely not correct. The incorrect information which is listed for me is affecting paperwork which I need to have submitted. Also the fact that the supervisor was eager to get off the phone rather than assistant me with finding out how to get all my information updated correctly makes me feel really worried. I have seen a couple of things listed on my credit report concerning auto loans which I know I have not applied too or for. The last time I applied for an auto loan was in XXXX so I do n't know who I can speak with concerning this matter either all the other credit bureau handles these matter quickly, but not Equifax. I need Help
The collection agency is reporting the collection account XXXX on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
Transunion and XXXX are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.
I filed for XXXX XXXX bankruptcy and included my American Express account and my XXXX XXXX  Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.
The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.
This is to re-open case No : XXXX American Express didn't explain the discrepancy of upgrade dates between their record and the date that is reasoned from the evidence I provided : I upgraded membership at XXXX and my upgraded card membership fee charged by American Express covers from XXXX. Evidently, American Express 's claim " the card was upgraded on XXXX '' is false and the false claim was resulted from their side of error on investigation ; also American Express can not provide any evidence that on XXXX I provided consent to the disclosure of the new card membership. Moreover, the promotional email was sent to me on date XXXX, which is after XXXX. Therefore, investigation conclusion from American Express has no grounds. 

Last but not least, the full description of the promotion in the email from American Express is below : " Good news, XXXX! You've been selected for an upgrade. As a Blue Cash Preferred Card Member, you can earn even more cash back on the purchases you make every day.

Spend just {$60.00} a week at U.S. supermarkets and you could earn over {$180.00} back per year. And, with this special offer, you can earn a {$250.00} statement credit after you spend {$2000.00} in purchases on your new Card in your first 3 months. Offer expires XX/XX/2018. '' The loose term 'New Card ' can not justify the method American Express was using to calculate 92 days ' period during their investigation on case No : XXXX. Evidently, from XXXX XXXX ( when new upgraded card membership starts ) to XXXX, my expense has met the expense requirement {$2000.00}. 

If American Express still insists on the same conclusion as in Case No.XXXX, I would like to request American Express to provide : 1. A copy of Consent and Disclosure I have signed and agreed regarding membership upgrade on the date XXXX. 
2. A copy of Evidence proving the definition of the term " New Card ''  is explained and included in the promotional email from American Express. 

Failing to provide the documents mentioned above can result in conviction of illegal behavior under FDIC law, regulations, related acts.
I attended XXXX College XXXX XXXX for my XXXX degree in XXXX XXXX, XXXX  as an out-of-state student from XXXX to XXXX. I borrowed $ XXXXyear for tuition and living expenses for four years. Upon graduation, I moved back home in XXXX XXXX, and I enrolled in an income-driven repayment plan for which I made timely payments automatically deducted from my bank acct without any missed payments. I trusted the loan servicers, Sallie Mae and Navient, thinking they were handling my federal loans correctly, but lately have become increasingly suspicious of errors or even fraudulent practices. My principal jumped up to the current amount of ~ $ XXXX when I borrowed $ XXXX. My monthly payments have been significantly increasing every year by up to {$400.00}, despite having a pretty steady income and having two babies since graduation. I did not opt for the plan that increases payments as I work. Now I am paying almost $ XXXXmonth when my take-home income has been ~ $ XXXX/month. It is difficult to support my family and impossible to save when coping with a student loan payment thats higher than my mortgage, which has an even higher principal! I called multilple times to inquire about my loan calculations, and I never got clear and straight answers. The reps always seem to be new on the job, consistently placing me on hold to ask a supervisor to answer my questions. In response to why my principal is so much higher than what I originally borrowed, they just say its because of accrued interest. And in response to why my IDR payments increased by $ XXXXyear when I just got a newborn and no change to my income, rep tells me hes not sure, but probably due to the calculations with the poverty line. I also receive yearly email notices around this time of year to renew my IDR plan by XXXX. However, whenever I try to do so, their system doesnt allow me to and reps tell me its too early to reapply until XXXX or XXXX, when its almost the end of the year. Whats the meaning of the conflicting deadlines? Ive been meaning to make a complaint or seek help reviewing my loan calculations but wasnt sure who else to turn to. Lately Ive been hearing that Navient is now under investigation for unfair practices and I genuinely feel I am a victim! Please advise. Thank you!
New scheme by Well Fargo - If you move to another bank, and you want to set up an automatic payment on your Wells Fargo credit card account better check and double check that Well has recorded your new routing number and account number from which the payment is to be made. Make URE that WELLS FARGO RECORDS IT. I 've been fighting with them since XXXX last year about ''late fees '' because my ''payment was not received ''. I sent in XXXX account notifications next, same deal!! I have had a very good credit rating until this thing with Wells Fargo, so when I 'm told by my realtor that it 's dropped down to XXXX, you better believe I 'm irate. I am getting all my statements from both banks and sending them to XXXX and XXXX who have been investigating what Wells Fargo has been doing to cheat more money out of their customers. You who will be reading this on XXXX, if this trick has been used on you, I 'll send the link to contact these investigators with your stories. -
On XXXX/XXXX/15 at XXXX pacific time. I received a call from an unknown number. Person left name, XXXX XXXX, stating that if I did n't call them back immediately legal action would be taken & I would be served papers. She left the file #. I returned the call at XXXX pacific time. I was transferred XXXX times. The first person was XXXX XXXX because, I recognized her voice from the voicemail msg. She then transferred me to someone named XXXX. XXXX said my name & asked if the last XXXX digits of my social were # # # #. As I was on hold, I XXXX this company 's name and saw the list of complaints from different consumers. 
When XXXX asked about my social, I replied, " I do n't know you tell me if that is correct. What is this debt about? I know my bills and I know who I need to pay. Can you tell me what is this regarding? '' XXXX replied : " So you do n't know your social? '' I said, " Ma'am, what is this debt about? Can you give me any information on who this debt is owed to? '' She said : " I ca n't give you any information because I need to verify that it is you who I am speaking to. '' I said, " I 'm not going to verify my social security number because, I do not owe any debt collector, and you will not even tell me what this about. '' She said : I am asking you for the last XXXX digits of your social security number. '' I said, " And I am telling you to verify the debt. What is this company that I apparently owe this debt to? '' She said, " So, you 're not going to give me the last XXXX digits of your social security number? '' I said, " I tell you what I will do, I am going to call the police. '' She said, " Fine. '' And she hung up the phone. If she was trying to verify if the person is actually me, why would she blurt out the last XXXX digits of someone 's social security number? Usually when asked to verify your social, a representative from a reputable financial institution will not repeat your information.
I have been call by XXXX XXXX XXXX on several occasions before XXXX PT. The latest being today XX/XX/2018 at XXXX. No matter how many times I tell them to stop calling me at that hour, every few.months they do it. 

XXXX XXXX  is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I been victim of identity theft then inquiry without my knowledge from XXXX XXXX XXXX XXXX Experian is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX XXXX then now I am not sure what else to do anymore then all my credit report Beau XXXX me up XXXX and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX off by police and sheriff and feds then plus treated as a XXXX XXXX  to abuse the XXXX and XXXX and my family too doing this to me sinceXX/XX/1977too and growing up so XXXX since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and no one will help me to get me out of XXXX and XXXX domestic XXXX and XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a bot or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything
I filed a dispute with credit karma XX/XX/XXXX for XXXX XXXX. It is now XX/XX/XXXX. I recently filed a complaint regarding this issue and got an update that my results were in fact emailed to me by Transunion. I did not receive an email. XXXX XXXX still shows my dispute open and when I go to Transunion 's website, I do not see my dispute completed or not. This issue is not resolved. From what I can see, Transunion has taken well over 30 days to complete this therefore it should be removed from my report! I am copying and pasting the message from XXXX XXXX. 

Direct Dispute In partnership with XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

I have combed through my email and there is not one regarding this dispute. I found many of their newsletters but that it all. I can not even start a new dispute on transunion 's website which to me means one is still open or their website is broken! I have included a screenshot of that.