WillisBack/dataset-financial-user-claim huggingface dataset:
Sent several letters out to Experian, XXXX and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to Experian, XXXX and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
On XXXX XXXX 2017, When the Auto dealer XXXX XXXX, XXXX Texas. retail repair store offer me replace new parts On key and Ignition lock, I agreed. However, they cheating whole thing, Deliver me to totally without replacement, instead just gave me 1 used key Which even not work on remote open door, only do ignition So they cheat me {$460.00} for non replace non service. 
XXXX that dealer also made fake invice, intentionally make wrong my email and address and tele number so as skip their headquarter survey afterwards. 

While I have presented lot evidence to XXXX XXXX creditbcard, they Kick ball, made no faith to customer card holder.
In XX/XX/XXXX a company name XXXX XXXX XXXX XXXX reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX XXXX XXXX. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, Equifax and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
I have always paid my bill online every month with a company using their websaite and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
On XX/XX/2017 I letting my bank know that I travel to XXXX and I will used my Debit/ATM and my Visa Platinum and they conform that ok however after using my debit card 3 time my bank stop my card for two week to the time I can used it I call them they ask me to fax my info the picture of my driving id and my card and my ticket I did that but they want me to sand one more time bcuz I my signature was on all the XXXX paper I fax I fax one more time they ask me I did XXXX XXXX time and never have my card on to work I have to ask people for money I ask to my brother the family of my wife I need the money for my wedding on XX/XX/XXXX in XXXX but I cant get no money that time I have to ask my wife family to take the bus so they give me money I have to ask for money to call and the bank people was hard to talk to same of them they not nice to help you after 15 days they have my card work I call in XXXX and I have to pay {$28.00} for my XXXX {$40.00} money to fax {$100.00} money to go to the city 4 time to fax my paper its was the time I am on my honeymoon but I have to go to look for office to fax them all the time I have money in my bank but I cant take any and I cant go where I want to go with my wife my time was so sad and bad its hard to have place to used Visa only Cash my wife give her necklace to same one to get same money to get to XXXX {$500.00} then we pay after two weeks {$520.00} but its not the money its in the same day we have the wedding she have to do that to get the Cash we need its the sad thing about it people who work there they not nice to talk to I do n't know its my name are they have bad day
On XXXX/XXXX/15 at XXXX PASI ( XXXX ), a medical debt collection agency called me. It was my debt and I have paid it off. The problem lies in the fact that when I was contacted the first time, the lady said that if I did not pay in 10 days, the debt would hit my credit and they would garnish my paycheck. I called back the next day and verified that they were a collection agency and not the billing department of the hospital that I went to. Upon verification that they were indeed a collection agency, I informed them that I knew my right under federal law and that they were not allowed to report the debt or garnish my wages at this point in time without taking me to court. This is when I was informed that they would give me 30 days to pay instead of the 10 days originally quoted. Now, it was my debt, i legitimately owed it and I have since paid it. However I do not appreciate the unnecessary threats.
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
We were part of the mortgage crisis in XX/XX/XXXX. We ended up declaring chapter XXXX bankruptcy. We were discharged of the chapter XXXX, in XX/XX/XXXX. After hundreds of attempts contacting Citimortgage to get them to foreclose, on the property, our requests went unanswered. after the property sat vacant for several years, yet still in our names we decided to do a short sale in XX/XX/XXXX, we did a short sale, with the approval from Citimortgage and the help of a lawyer. 
Sine XX/XX/XXXX, we've purchased a new home. Now we have learned that an adjacent property is going to be developing a strip mall / restaurant bar. This will be directly attached to the back of our property, making what is currently a quiet suburban area, into a loud, busy annoyance to our neighborhood. 
Due to this, we want to move, but because Citimortgage is able to report the short sale for up to seven years, we do not qualify for a new mortgage. We feel this to be completely unfair, if Citimortgage would have followed through with the foreclosure in XX/XX/XXXX, as requested, we wouldn't be in the situation we are in yet today.
I applied for a mortgage on  XXXX / XXXX / 17  to purchase a manufactured home and the company refused to include my accounting income. I have the right to amend my income tax returns and the company stated that they are refusing to cooperate and reverse the denial letter that they sent me. I was just told this by an underwriter at the company.
Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA
I received a Prepaid Debit card in the mail with my name on it from a company called " NetSpend ''. The letter that came with it explained how to active it and the costs. I was very upset that the card was created with my name and put in the mail. Even though this card was " prepaid '' it had my name on it. Anyone who received it could have used it to establish credit in my name. I called the company to ask them to take me off the mailing list and how they got my name? An automated recording started and asked for the credit card number ( which I destroyed so I did n't know it ) or my SSN. How would they know my SSN? The call was then answered by a person. I asked the customer representative about it and he stated I was n't in the system. I asked him to remove me from their mailing list and make sure there is no account with my name on it. He stated I was n't in the system. If I was n't in the system how did I get issued a prepaid credit card? I asked to speak to a supervisor and waited over 10 minutes which the representative said was still busy and I should try to call back later. I am very concerned this could lead to identity theft. I still do not know if this company has an account with my name open or if it has removed me from the mailing list.
Every Monday precisely at XXXX EDT Fair Collection and Outsourcing call me every week. I have sent a letter to them to only contact me via USPS and to validate the debt. Fair Collection Outsourcing has failed to send me a letter via USPS, but instead they have called me during work hours on my mobile phone.
Opened an XXXX.com rewards VISA account with CHASE bank in XX/XX/XXXX. Never received statements either electronic or via mail. Called multiple times to arrange payment and have statements updated after receiving calls from debt collectors. This happened XXXX, where the only notice I received was from a debt collector within a few days of being past due. Even after paying the balance, CHASE still reported negative XXXX days past due to all XXXX credit reporting agencies. This happened XXXX for XX/XX/XXXX and XX/XX/XXXX. Have since gone to XXXX.com and setup accounts to send paper statements via XXXX and have not received them. Just noticed on XX/XX/XXXX that once again a payment was XXXX days past due ( no statements or alerts were sent ). Payed the balance and have now cancelled all cards with CHASE bank.
I applied and was approved for an American Express " Gold Delta SkyMiles Business '' credit card on XXXX XXXX, XXXX. As part of the application, I was offered a promotional " welcome offer '' consisting of XXXX bonus XXXX SkyMiles. This offer carried the following terms : " Earn XXXX bonus miles after making {$1000.00} in eligible purchase on the Card in the first 3 months ( 92 day ) of Card Membership. The Welcome bonus offer is not available to Applicants who have or have had this product. The bonus miles will be credited to the Card Member 's SkyMiles account 6-8 weeks after they meet the {$1000.00} purchase requirement. '' This offer is verified in a chat excerpt that is attached. 

I met the spend requirement of {$1000.00} on XXXX XXXX ( 87 days after approval ) with a purchase totaling {$37.00} to XXXX XXXX Now, which gave me a total spend of {$1000.00}. I have included my billing statements for all months the account has been opened to verify this. 

After waiting the specified 8 weeks from meeting the spend requirement, I reached out to American Express requesting a status on the whereabouts of the missing points. I was told there is a system issue that is causing points to not be credited. I was given a chat id of XXXX to note the conversation in which I requested the points be issued. American Express advised the investigation would take several weeks, but it has been almost a month beyond when the points should have posted. Screenshots of chat excerpts have been included.
Equifax , after my spending two DAYS on the phone trying to get them to explain something on my credit report, finally let me speak to an AMERICAN who SOMEWHAT explained it, then she rudely hung up on me.
The company delivered statements and other communications electronically while my account was open, as agreed. When I closed my account, the company terminated my access to their website but continued delivering statements electronically, which I could not access. A supervisor refused to say whether future communications would be delivered through the mail.
I am currently paying a Parent Loan to Navient. The original consolidated loan was {$44000.00} and I started repayment on XX/XX/XXXX. In XXXX of this year I will have paid {$41000.00} ( 120 months ). I originally started with XXXX with a standard loan. Then I had a second servicer. I remember at that point that my last payment would be made sometime in XXXX. Navient is now my new servicer and when I went to look at the terms of the loan on their website, It shows that my last payment is in XXXX. If I pay XXXX a month til XXXX I will have paid over {$90000.00}. for this loan. That does not sound right. I have tried to reach out to Navient twice but they keep telling me this is correct. Please let me know if this is right. I have never missed a payment in the ten years. I thought I was paying a standard ten year loan. Now the loan term has more than doubled. Thank you for your help XXXX
I have been trying to contact XXXX and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was XXXX, XXXX or Experian job to see the red flags. I have XXXX inquires with XXXX and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX CredcoInquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank/limited Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Mrcus Inquiry from XXXX XXXX, XXXX
XXXX XXXX XXXX has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX  to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from XXXX XXXX XXXX stating that one of the accounts was sent to them from Citibank because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send XXXX XXXX XXXX people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that Citibank deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to XXXX XXXX XXXX and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with Citibank since they were the ones who accepted the payments. 
- And then ... I reached out to Citibank but said they couldn't help me because my account was sent to XXXX XXXX for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected XXXX XXXX was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up. 

PLEASE HELP! 
XXXX XXXX XXXX XXXX
My mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage services in XXXX of 2015. I continued my monthly payments to Carrington starting XXXX 2015. Carrington states they raised my escrow payment beginning XXXX 2015. I never received any notice of this increase. They started not applying my payments in XXXX 2015 because it was not enough for the payment they had raised. They started charging me late fees and eventually reported late payments to credit bureaus. They did not call or send any correspondance regarding my payments ever. I found out after shopping for new hazard insurance and finding derogatory reports on my credit. They claim their actions are legit because they claim they sent me increase notice.
XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX fails to provide evidence and verification of debt they are attempting to collect. 

XXXX XXXX PIN XXXX Amount {$1700.00} for XXXX XXXX XXXX Account # XXXX Date of Service : XX/XX/XXXX Asked for evidence of debt ( copy of bill, doctor name, etc ) on XX/XX/XXXX and again on XX/XX/XXXX. 

They continue to report on all three credit bureaus that I am delinquent. 

Consumer 's Desired Resolution : Proof of Debt, copy of billing or invoice for service on XX/XX/XXXX, doctor 's name, patient name. I need evidence that this is legitimate debt.
NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT
Hi, I applied for a Stated Income HELOC from Bank of the West. I had one with them prior. During the phone application they suggested/offered to open " multiple products '' as part of the application process. I wanted a specific kind of HELOC which was difficult to get. It seems like they could have decided I did not qualify for that HELOC without making a credit inquiry. However, I think the bank was more interested in opening other types of accounts that required a credit inquiry. This was even though they could have known I did not qualify for the HELOC without doing an inquiry. It was sort of a " bait and switch '' kind of an application to get me to open other accounts. 

After the bank pulled the credit, which I believe was unnecessary to decide the HELOC application, and subsequently rejected the HELOC application, I was stuck with an unwanted inquiry on my credit report and an unwanted credit card. I complained about it and said I wanted the credit inquiry reversed. 

They elevated it to compliance, reviewed the taped conversation, and said their process and disclosures were appropriate. I had been under the impression that signing up for other products would be advantageous to my HELOC application. I think they just wanted to pull credit to " sell '' other products, being fully able to determine without pulling my credit that the HELOC application was going to be rejected. This was because the HELOC denial was based on debt to income ratio, not credit. 

I suggest that this bank disclose that applying for other products has no bearing on the HELOC application and not try and mix the two application processes. I also suggest that they determine if the applicant 's debt to income ratio would disqualify the applicant prior to pulling credit. Other lenders that do not cross sell other products are easily able to determine this without pulling credit. 

Thanks, XXXX XXXX
XXXX XXXX, XXXX Last year around XXXX worked with Quicken Loan to Refinance the property at XXXX XXXX XXXX XXXX XXXX They order an appraisal which was done on XXXX XXXX, XXXX. The appraisal done had many problems such as wrong sq ft by less than XXXX, room XXXX XXXX XXXX, we have solar and no mention at all as energy efficient item. 

The Indicated Value by Sales Comparison approach was {$320000.00}. 

The report has a home listed that was sold on XXXX and XXXX homes closer to our sq ft & lt ; XXXX XXXX XXXX XXXX CA. Sold for {$430000.00} on XXXX - XXXX, XXXX sq ft and XXXX XXXX XXXX XXXX XXXX sold for {$75000.00} at the end of XXXX - XXXX sq ft & gt ; were not used as comparison. The rule is not to use homes so old that values are not comparable and locate XXXX for value approach that are closer to sq ft that the XXXX being appraised which he did not do! 

The Porch/Patio/Deck says large deck. The appraiser stated our decks sq ft was XXXX. The XXXX decks, around our house, measure XXXX sq ft. So value approach not added correctly! 

Solar owned by us is given no value which is a XXXX, XXXX panels at a cost of $ XXXX! 

The house building sketch was not correctly drawn, very poor and incomplete! 


The indicated value by cost approach arrived by the appraiser was {$420000.00}! 

The opinion of site value of {$20000.00} is of raw lans where our property has the infrastructure, water, sewer, electric phone, cable, foundation, walkways etc.! A {$60000.00} is the number both a builder and the California XXXX appraiser feel is better for a property with infrastructure! Again the report stated the Sq ft was XXXX which is wrong and is XXXX! 

Depreciation used of {$120000.00} assume no improvements to house since built! The interior of the house floor XXXX has been totally remodeled, and floor XXXX has new rugs and bathrooms improvements which the report does not mention. 

The report mention a large decks but we have XXXX decks which totals XXXX sq ft. and the drawing lacks too many sq fts.! 

The appraisal has no costs associated with the Solar, which is owned by us at a cost of {$2100.00}! 

The value arrived makes the house cost approach impossible to rebuild! Our Insurance agent provides a value at the low end of {$170.00} and up! 

All this information was provided to the Quicken Loan folks and there reply was that the Appraisal was done correctly per the Appraiser! 

Quicken Loans provided no support and/or investigation to determine the correct information!
On XXXX/XXXX/XXXX I received my XXXX bureaus credit report from XXXX and the federal tax lien had been deleted from equifax ( the other bureaus had previously deleted the federal tax lien showing on my credit report in response to my dispute. Equifax had deemed the account as verified and refused to remove it so I responded with another letter disputing the validity of the tax lien, stating that I am requesting proof that the XXXX validated this tax lien because I have in a letter from the court that they do not report to any credit reporting agency. ). The lien was removed from my equifax credit report on XXXX/XXXX/XXXX and reinserted on XXXX/XXXX/XXXX. I never received notification of the reinsertion. This is in direct violation of the FCRA Section 611 Part A ( 5 ) ( B ) ( ii ). Equifax never notified me of the reinsertion and furthermore this lien does not belong to me and I have spoken with the XXXX and they do not report to any credit reporting agency.
We are attempting to stop ACH payments from payday lenders, but our bank says they are unable to do so. We have revoked authorization from our lenders, and when we notified the bank today, XX/XX/2018, we were told by the bank that they are unable to stop ACH payments, even if we send them a letter stating that we've revoked the right for the lenders to withdraw funds. We called to understand their process and how to get started, as we are working with a debt management company to assist in the repayment of the loans.