WillisBack/dataset-financial-user-claim huggingface dataset:
I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with XXXX, EQUIFAX & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.
I just spent 2 and a half attempts on Equifax 's direct dispute website attempting to upload documents and directly dispute an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an ERROR twice when I finally go to the end of my disputes and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore. I feel as though Equifax is deliberately ignoring me. they keep asking me for NEW information that I CAN NOT give the because the account I have been disputing is fraud an not mine. I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? 

I put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times! I had to start over three times before I gave up. Also, I noticed that Equifax is allowing this company to keep reporting new false and negative info even after it is claimed this account is 'charged off ' 'closed '. this is the most unbelievable situation ever. please reference back my complaints which started in XX/XX/XXXX
My grandmother and I are co-borrowers of a student loan originally from XXXX XXXX. The repayment process has been treacherous for lack of a better term. My grandmother who is XXXX has been receiving multiple calls from different numbers and received numerous letters threathening to garnish her social security check which is her only source of income. I was sick and ran into issues getting a permanent job. I got one 2 years ago but they put my loans into default witn no ways of negotiation to catch up with the exception of them trying to charge me {$400.00} for a repayment program which was entirely too much especially since the payment was more than a car note. Now my grandmother and my credit is shot. If it was just a better way to repay a student loan without having to feel like you made a huge financial mistake just to get a good quality education.
I have been trying to resolve issue with my account with Citibank since XX/XX/XXXX. My account has been enrolled into Debt Management Program since XX/XX/XXXX and I was paying out my outstanding balance since then. I contacted Citibank a numerous times to resolve an issue with interest charges that a creditor charges me every month for cash advance transaction in the amount of {$54.00} that was posted on my account in XX/XX/XXXX. After careful review of my billing statements since XX/XX/XXXX, I noticed that Citibank charges me extra interest, average monthly interest charge for the above cash advance transaction in the amount of {$0.00} every month. My research shows that a creditor calculate an average amount subject to interest charge is {$66.00} and this amount has not been changed since XX/XX/XXXX. Since XX/XX/XXXX my cash advance transaction was paid off and I paying additional interest charges due to Citibank cardmember agreement. All my attempts to resolve an issue with Citibank were unsuccessful. 
The last time I contacted Citibank on XX/XX/XXXX and I spoke with Payment Arrangement department. The representative name XXXX reviewed account information with me and provided the following explanation why my account is still accruing interest charges for cash advance transaction. She stated that according to Card Agreement, they will apply the minimum payment due to interest charges and transaction fees first, then to cash balances in order from lowest to highest. She also mentioned since my account enrolled into DMP in XXXX and my Annual Percentage Rate was lowered to 9.9 % it will take longer time to pay off cash advance interest. I completely disagree with this explanation and I am trying to resolve the above issue with Citibank second lever management. I was advised that someone from CCG department will contact me within 2 business days and I have not heard back from them. I have been trying to call back and I asked to speak to department supervisor and I was advised that supervisor is not available and someone will call me back again. I spoke to 3-4 different representatives. I have received a letter in the mail from Citibank dated XX/XX/XXXX that has been informed me they have completed their research regarding a recent issue and asked me to contact them back, son they can provide the results of their research The letter was signed by Vice President of Citibank, NA XXXX XXXX. 
I have been trying to call the number listed in the letter and reached different department who has no information about my account since my account has been closed. They transferred me to another department who is unable to assist me neither regarding my account and their research.
Checking with Equifax regarding the news report of a hacking incident to this company I received this statement from the Equifax Check Potential Impact website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
In XX/XX/XXXX Santander became my automobile finance company after I put $ XXXX down on a car. It's now XX/XX/XXXX and I still owe just as much as I did in XXXX. I don't understand how I could pay {$32000.00}, total to date ( XXXX ) and still owe over $ 24k. I've been a loyal customer to Santander but I can't get any help with this problem. I found out today that Santander had assigned my car for repossession without my knowledge. I'm constantly threatened with repossession and I get 7-10 phone calls every week. All of this and I've paid them over $ 32k. Santander had me paying interest only some years ago and I don't know if this added more money to my loan or if it was extended. I was never told if any time or money was added to my loan. I need help with this Issue ASAP because my loan matures in XX/XX/XXXX and Santander shows that I still owe over $ 24k. Santander has made a lot of money on this deal and they are acting in a predatory fashion by trying to prolong the loan and repossess my car. Please help.
XX/XX/XXXX - My wife received a message from and unknown caller who did give his name and number but did not say who he worked for or why he was calling. I see under the Fair Debt Collections Act that this is prohibited especially without the permission of the employer to take calls from collection agencies. She notified me of the message. I returned his call. The companys name is Vericore and they were representing XXXX XXXX to collect unpaid debt. I was notified that I signed a guarantee in XX/XX/XXXX for a company named XXXX   XXXX XXXX XXXX XXXX for any unpaid debts adding to {$1800.00}. I asked for a copy of the contract and later that day for copies of invoices. Later I contacted XXXX XXXX   XXXX XXXX that had the lien on the business for which I signed. They notified me that business had been dissolved and another company reopened in XX/XX/XXXX. 
XX/XX/XXXX - I noticed then that the new charges on the statements sent had XX/XX/XXXX dates meaning it was the new company charging as the old company for which I worked and signed the contract for product. 
XX/XX/XXXX - Received an email from XXXX XXXX XXXX XXXX confirming the end of the company which I worked and the beginning of a new one. Left Vericore a voicemail and forwarded the email from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX - Vericore representative left me a voicemail stating I needed evidence supporting my claim. I returned his call that this is either a bookkeeping mistake or fraud. Vericore asked how was XXXX XXXX supposed to know they were selling to a new business. He later emailed me some shipping/receiving documents to see if I recognized the signed recipient in which I did not. I let him know in an email I did not recognize the name or company that picked up product. The name of the company picking up product was XXXX XXXX XXXX in XXXX VA. Nobody from the store location signed anywhere on the slip. 
XX/XX/XXXX - Spoke with Vericore to confirm I did not recognize the recipient on the slips and that they once again were selling to a different entity in which I worked. He stated I needed proof that XXXX was notified of the business closing and that XXXX would definitely pursue collection. I then stated I needed to speak with an attorney to see what options were available before I just hand over money in a situation which I had no association. 
XX/XX/XXXX - Met with my attorney. They said I had a case. 
XX/XX/XXXX - Attorney told me with the amount of money being in question that her fees and fighting this would most likely cost more than the debt owed and would be better off paying the debt and receiving a letter that the account is not ever to be used in the future. Was also notified that many of the same people were working for the dissolved business had rolled over into the new business and carried a very similar name. There are also a couple other locations with a name similar to XXXX XXXX XXXX XXXX XXXX in the area that are not associated. I have not worked at that location since XX/XX/XXXX but I understand that is still in the window of the guarantee. 
XXXX XXXX never made an attempt to contact me before turning this over to collections.
XXXX XXXX and Experian are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I contacted Kohls in regard to my checking account being compromised and wrote checks on my account to pay for purchases and the checks had returned on my Kohls credit card I informed the company of the information and my account closed without my knowledge after I informed the company to rectify the issue and the account kept accrue interests and late fees even after it was closed and Kohls failed to contact me to help me resolve the issue
This attorney keeps calling me at home and at work to try to get a hold of my boyfriend. The debt is not mine and even after telling them on numerous occasions to stop contacting me they still call every day. They are putting my job in jeopardy every time they talk to the my boss. They know everything about me and they should n't.
Good afternoon, I had a XXXX credit card account which I closed for bad customer service back in XXXX. In XX/XX/XXXXI started to receive calls from their Collections department that I owe money on the card. I was on the phone with different representatives from fraud department, security investigations, and disputed the charges that appeared on my card as I was not familiar with. Since then I am told that charges are either taken care off and are disputed or other times when I call Im told that I accepted the charges. I keep telling the representatives that I did not accept the charges and I want to have them disputed. Every time I call I ask for the representative name, id no. and department. Sometimes I get the name but the ID number I do n't. Sometimes I get disconnected. Other times I get a fake id no. 
Here are some of the times I called Citi and after long hours on the phone nobody helped me. 
1st call I registered with the Fraud Dept I spoke with XXXX XXXX On XX/XX/XXXX I also called them on XX/XX/XXXX & XX/XX/XXXX and was told fraud claims is handling the problem. No id or name was given. 


I also spoke on XX/XX/XXXX with XXXX from Collections. 
Dept XXXX Then got transferred to Fraud- XXXX XXXX - fraud Dept Id XXXX XXXX- XXXX ( who gave me a fake ID ) Told me to call onXX/XX/XXXX as will be taken care off. 

I called on XX/XX/XXXX spoke with Collections then fraud. 
ID no Fraud Department XXXX then XXXX XXXX ( fake name and id as onXX/XX/XXXX the representatives told me that id no does n't exist as the people that spoke to me she sees their ID numbers to be XXXX and XXXX. 

Collections called me after I told them to put me on their Do not call list, on XX/XX/XXXXSpoke with Id XXXX, XXXX who transferred me to XXXX after I requested a supervisor. 

XXXX 's info is Id XXXX and she 's with Collections Department. 
She told me she ca n't help me and she is not allowed to stay on the phone with me while I talk to Security Department/Fraud then transferred me to XXXX, ID XXXX XXXX said other department will help me and transferred me to Security Investigations department. 

XXXX Security investigations department Got transferred to XXXX who did n't want to provide her Id no.and hanged up the phone prior to finishing the conversation. 

I called back on XX/XX/XXXX at XXXX XXXX and spoke with XXXX ID XXXX who said he ca n't provide email or any other info and told me I will be called bac

k tomorrow. My almost perfect credit score is down over 120 points and t
his is affecting my tremendously.

Please help as I am not getting any help from CitiBank Thank you, XXXX XXXX
i recieved a mark on my XXXX report XX/XX/ 2018 that i owed GC services {$1300.00}. 
Collection Agency GC SERVICES Original Creditor XXXX XXXX Status Open Opened Date XX/XX/2018 I  did not recognize this company and upon research discovered that it was referred to them by XXXX whom I do not have a account with for a number of years already.. 
i attempted to both call and email the company but have still not recieved any response. 
I disputed this with XXXX who upheld the claim despite the fact that they have not provided any documentation for the bill. 
I have since found out that the bill should belong to a family member instead of myself.
Upromise, a service run by XXXX, promises cash back when you use certain services via links from their website. The cash back you earn from spending on upromise partner websites is transferred into your children 's XXXX college savings accounts. Overall it is a great service but last year I had a trip planned to New York and would be spending roughly a month in a XXXX. Upromise offered 5 % cash back if you booked from their site. I did book directly from Upromise 's website and stayed at the XXXX. Upromise has not honored my stay. I have provided receipts and I did book carefully from their website yet upromise has denied me the cash back which is roughly {$400.00}. This is a significant amount for my children 's education account. I am upset and feel that upromise has misrepresented their services. Can you please help me? I feel like I have rights here but I need help to fight XXXX. Thank you, XXXX
MY BROTHER WHO SINCE XXXX XXXX IN XXXX OF THIS YEAR AND HIM AND I PURCHASED A VEHICLE FROM XXXX XXXX XXXX DEALERSHIP IN XXXX NEW YORK ON XXXX XXXX XXXX AND THEY GOT US A LOAN FROM SANTANDER CONSUMERS USA BANK KNOWING WE LIVE ON A FIXED INCOME AND A WEEK BEFORE XXXX XXXX SALESMAN INFORMED US THAT THEY HAD A CAR FOR US IT WAS A XXXX XXXX XXXX XXXX  XXXX XXXX NOT KNOWING THAT THE VEHICLE WAS NOT ROAD WORTHY BECAUSE IT WAS IN AN ACCIDENT IN XXXX XXXX NEW YORK THEY NEVER DISCLOSED THAT INFORMATION TO US BANK WAS SO QUICK TO FINANCE US THE LOAN XXXX XXXX SALESMAN TOLD US THAT THE CAR WAS STILL AT THE AUCTION PLACE THE SALESMAN TOLD US THAT THEY HAVING REPAIRS DONE ON IT AND I ASKED WHAT REPAIRS ARE THEY DOING ON IT THE SALESMAN NEVER TOLD US WHAT KIND OF REPAIRS THE AUCTION PLACE REPAIRING ON THE CAR WHEN WENT OUT TO XXXX TO PICK THE CAR UP I WENT OUTSIDE AND THERE WAS A TEAR ON THE REAR BUMPER AND I ASKED WHAT IS THAT SO I REPAIRED IT MYSELF NOW THE BANK IS ASK ING FOR THE REST OF THE MONEY AT THE INTEREST RATE THEY THEY WANT ME TO PAY THEM NOT HAPPENING THEY NEED TO PAY ME BACK ALL THE 2 YEARS OF PAYMENT WE PAID THEM I ASK THEM IF THEY WOULD REFINANCING AND THEY TOLD ME NO THE CAR WAS TOTALED ON XXXX/XXXX/XXXX HIT FROM BEHIND AND IT 'S MY FAULT NO WAY I JUST BACK EVERY PAYMENT MADE TIGHT BACK TO ME AND SANTANDER CONSUMERS USA CAN GET THEIR MONEY BACK FROM XXXX XXXX
I have a third party debt collector who froze my savings account and my daughters XXXX school account when the only money I receive is XXXX and child support. My bank told me that since I transferred the money from checking to these accounts it is no longer protected. I feel this is a violation of my rights and money. Also, the creditor did not send me certified mail and directly just froze my accounts. They never showed me proof of the debt as well. I am suffering without my funds. Please help
I have a Credit Card with Case. Recently they have been an inaccurate late payment fee listed on my account that has caused my credit score to drop significantly.
The problem is not getting my credit report but the impossibility and the intentional placing of layers and layers of roadblocks by Experian in denying a consumer the ability to speak to a human being to freeze or unfreeze my credit report. I have called 10 's of times today to try and contact Experian and have tried to initiate my request to unfreeze my credit without success. This does not happen with XXXX and XXXX. Experian now places a recorded SSN, zip code , street address verification on any initial call without any method to speak to a customer service representative if the prompts do not work. Any typo error, slight misinformation, etc., automatically triggers another long recording of unbelievable hurdles with directions for the consumer to write Experian and enclose enough documentation to fill the Library of Congress to have the freeze lifted or put in place. The same occurs online with no contact option to speak to anyone. Experian 's phone contact number is XXXX. If you are a paying customer then maybe they will talk to you otherwise you are nothing. This should not happen in this day and age of technology. Just do a XXXX search on how to speak to a live human being on Experian and see what the results are.
Have sent them 3 certified letters to dispute and substantiate the debt. All 3 have been ignored and no action was taken. They are in serious violation of the FCRA.

Letter # 1, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, formally disputed debt, they failed to update my credit reports to indicate this within the required 30 days Letter # 2, Sent XX/XX/XXXX, Signed for XX/XX/XXXX, indicated that they violated FCRA by not updating my credit reports within the 30 days, received form letter not addressing issue Letter # 3 Sent XX/XX/XXXX, Signed for XX/XX/XXXX, requested substantiation of the debt bearing my signature, received same form letter I have retained copied of the certified letters sent, certified mail confirmation and all documentation related to this matter should you need copies or clarification.
This is my Forth formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XXXX XXXX, XXXX and XXXX XXXX Credit CardJun XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this forth time will pave way for a suit.
Received a bill saying that our escrow account was short {$3000.00} and that we would need to either pay that in full or be added onto our monthly payments making our new payments {$430.00} more a month than what we currently pay. Call the mortgage company to find out what was going on they said there had been a mistake or glitch in their computer that caused this to have this shortage that we need to pay we have called and expressed our frustrations with the mortgage company that we do not feel like we should have to pay for a mistake they made but they do not agree there is no way we can afford this kind of a mistake on our monthly payments
I applied for the US Bank XXXX XXXX Visa card in XXXX of 2015. This resulted in a hard credit inquiry on my credit history, as well as paying the {$75.00} annual fee. After paying my annual fee I was supposed to have access to the " bonus award night exclusively for card members '' benefit. On XXXX XXXX 2015, less than XXXX months since I had initially applied for and received the credit card, I received an email stating that this benefit was being removed.
I disputed the inaccurate info about the judgement, case # XXXX, with XXXX and Transunion. Both stated the info was correct. However, as noted on the reports XXXX is showing a Paid/Satified date of XXXX and Transunion shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
My wife and I were denied a XXXX XXXX XXXX. 
The reason given was that we opened 5 or more credit cards in the last 24 months. 

I think XXXX has incorrect information and can not get help from Experian to correct or find out what cards I have opened in the last 24 months. 

Many letters and phone calls have been made to both. 

Can you please help me? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX home XXXX cell XXXX XXXX
Hello, I'm a victim of identity theft. And many accounts were forward and established with this compnay without my consent or signature. 

I recently sent documents around XXXX of 2018 adressing this issue.
US Bank sent me an acknowledgement of a facially complete application, dated XXXX/XXXX/2016. I followed up with a phone call to my mortgage assistance point to verify that foreclosure would be halted at this time. However, I 've just received a notice of default dated XXXX/XXXX/2016 which leads me to believe they are dual tracking and a halt to the foreclosure process on my property has not occurred during my review for loan modification.