WillisBack/dataset-financial-user-claim huggingface dataset:
I was interested in buying some furniture from XXXX XXXX XXXX   and thought it would be a good idea to get their credit card so I could get reward points for my purchase. Since my 3 credit reports are frozen I was able to determine that Synchrony Bank ( the issuer of the XXXX XXXX XXXX  card ) used XXXX XXXX  so I unfroze that agency on Friday, XX/XX/2018and applied for the XXXX XXXX XXXX  Card on Saturday, XX/XX/XXXX via their online application process.

On Thursday, XX/XX/XXXX I received the following letter via e-mail from XXXX XXXX  : XXXX XXXX has received your request for credit for a credit program with XXXX XXXX XXXX / XXXX.

Unfortunately, we are unable to approve your request at this time.

Our decision was based in part on a credit scoring system that was used to evaluate your application. The most significant reason ( s ) where you did not score well are listed below : Distance between prior residences is too long Too few retail accounts Lack of recently established credit accounts Limited history of consumer at this address Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On Friday,XX/XX/2018 I was able to speak with a gentleman from XXXX XXXX who informed me that he could not comment I why I was declined and that I would have to speak with someone from XXXX XXXX in order to find out why.

On this same day I was able to speak with 3 people from Synchrony who told me they could not tell me why I was declined and that I would have to talk to XXXX XXXX  in order to find out why.

Of course, I now concluded that I would not get a satisfactory answer and felt I had no recourse other than to file this complaint.

A little about me : I have lived at my current address for almost 4.5 years after living at my previous address ( 60 miles away ) for almost 25 years. I regularly use 2 credit cards issued by Citibank and pay them off every month. I have a mortgage that is about 10 % of the current FMV of my house. My FICO score is XXXX  at the present time.

I have no idea why I was turned down for this credit card, but I can assure you that by any rational method of determining credit worthiness I am a good credit risk. There are many complaints like mine revolving around XXXX XXXX and I can not help but think there is something very unsettling about their actions in the credit reporting system!
I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Unknown item which I have disputed, requested validation and received nothing and this unknown item is still listed on my personal credit file which is unknown and I do not owe any medical debt. Please help
I sent 2 certified letters to Transunion request they correct or delete the disputed information they have on the Bankruptcy. They responded with the information is accurate. I have explain several reason the public record should be deleted : 1 ) According to the XXXX XXXX XXXX XXXX XXXX XXXX Begin XXXX, XXXX 2017 Minimum reporting of name, address, social security and/or date of birth. This information is not listed. 
2 ) I contacted XXXX they couldn't verify the accuracy of the public record so they deleted. 
3 ) XXXX and XXXX couldn't verify the accuracy of the public record and deleted. 
4 ) I contacted the reported Bankruptcy court and they verified they do not provide information to any credit reporting agency.
On XXXX, XXXX, I called Selene Finance concerning the mismanagement ( XXXX up ) of my Mortgage payments from XXXX. I insisted on a supervisor, was given XXXX, who assured me it had all been straightened out. I requested in writing. I also noticed on my XXXX Mortgage Statement ( only the XXXX I received after a year XXXX with their company ) that there was a charge under " Corporate Advance ''? I asked what that was for. He responded that it was for Attorney Fees in regards to my Bankruptcy. Now mind you, I filed for Bankruptcy in XXXX of XXXX and my home was NOT included in the BK ( my mortgage was with XXXX XXXX XXXX at the time ). In my mortgage file at XXXX there were all the necessary documents from the Judge & my attorney stating my home was not included and when my loan was bought by Selene Finance, I made sure that file was faxed over to them in XX/XX/XXXX-Selene confirmed that they had it, but because I was in BK, I would not receive monthly statements. My BK was completed in XXXX XXXX and I had my attorney send the letter from the Judge stating that and now I want my monthly statements. It took them 3 months to do that. I also checked with the Court & my Attorney-Selene Finance had NEVER had an attorney inquire into my BK. AND if they had, why was I NOT notified that there would be cost to me??????? XXXX told me I needed to send in an email disputing the " Corporate Advance '' charges, which I did on XXXX XXXX, because I had NOT been receiving statements, how long they HAD been charging me and WHY they would still be charging me when my BK was completed 3 months ago? I called Selene on XXXX XXXX, because I had not received a return email ( at least stating they had received it and were working on it ) XXXX stated a computer generated letter was sent to me on XXXX verifying they had received my email and that FEDERAL LAW requires SELENE Finance XXXX to respond within 30 business days. I did receive that on the XXXX ... ..It has NOW been XXXX BUSINESS DAYS and I have not had ANY response! So, I called Selene this morning to find out why-was transferred to XXXX ( supervisor ) who had NO answer but was going to email the Loan Resolution Dept and apologized. I told him according to his companies letter, Selene was NOW in violation of the FEDERAL LAW and I am NOT going to go through a five year nightmare like I did with XXXX. So, here I am.
On my credit report TD AUTO FIN is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.
My mother and I applied for a mortgage loan in XXXX. The mortgage company we applied to was XXXX XXXX XXXX. In the beginning, we would receive a statement from XXXX XXXXXXXX XXXX for the amount due each month. The company was acquired and transitioned to Nationstar Mortgage Company in XXXX. 

After the transition, we no longer received any paper statements. We were not notified as to the reason for this paperless transition. We had to call the Nationstar Mortgage Company ( aka Mr. Cooper ) for the amount due every month. We only started  receiving notices via email from Nationstar Mortgage Company the year XXXX notifying us of payment amounts due by certain dates in order to avoid a late charge. With this being the only information we had, we sent checks for the requested amount every month prior to the due date. This year, we discovered that weve been charged late fees every month since the transition started in XXXX. 

With no statements provided nor any notice that explained all of the charges, we were charged thousands of dollars in late and hidden fees over the years. Nationstar Mortgage Company has failed to  provide us with any notice of our mortgage balance. We were charged late and hidden fees without notice even when we paid the requested amount provided by the emails. With limited balance information from Nationstar Mortgage Company and due to our language barrier, we did not discover the hidden fees until we downloaded the Nationstar app recommended by our accountant.

After multiple attempts to get in contact with Nationstar Mortgage Company, we were finally provided copies of all the statements ( see attached for all hidden and late fees ). We scanned and  attached copies of the statements that were mailed to us on XX/XX/XXXX. Weve also provided a copy of one of the emails that we received from Nationstar Mortgage Company in regard to payment.
Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. 

( see attached )
in XX/XX/2018 I disputed a inaccurate Bankruptcy on my credit report with TransUnion. In XX/XX/2018 they replied back and stated that it was verified and accurate. On XX/XX/2018 a security freeze was in effect on me with XXXX I have proof and enclosed copies of the conformation. On XX/XX/2018 a security freeze was in effect on me with XXXX and I have provided copies of the conformation security freeze. on XX/XX/2018 I wrote the US Bankruptcy court with the address provided by Transunion and I wrote the court asking do they give any information to credit bureau ... The court replied back to me stating that they do not give out any information to any credit bureaus. I have proof of this also provided. on XX/XX/2018 I sent certified letter to Transunion asking them to reinvestigate the inaccurate bankruptcy on my Transunion credit report. THEY ARE NOT GIVING OUT 100 % ACCURACUY INFORAMTION, Because they was giving out inaccurate misleading information on my credit report.. I have the Certified mail receipt that I sent Transunion a letter asking for verification and to reinvestigate the inaccurate bankruptcy on my file,, I even sent the all my security freezes and letter from the court that the court do not give out any information to the credit bureau TRANSUNION. They received the certified letter on XX/XX/XXXX, XXXX have copies of the delivery notification that they received the letter, Transunion was given 30 days to reply to my certified letter from the date of signing for letter and to respond and give me information on the verification and reinvestigate ... Todays date is XX/XX/2018 AND TODAY IS THE 30TH DAY I haven't gotten a response from Transunion and they have violated my rights,,, I been waiting on a response from them and they have failed to respond to my certified 30 day letter, they are liable for nun compliance, Transunion has failed to respond satisfactory with in 30 days of my letter. TRANSUNION HAVE NOW VIOLATED FEDERAL LAWS BY NOT PROPERLY INVESTIGATION WITHIN REQUIRED TIMEFRAME, AND I HAVE PROOF OF ALL THE RECEIPTS,
XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
To whom it may concern, This complaint is with Credit Protection. I pulled my credit report and seen an account  from there for {$1800.00} from XXXX XXXX XXXX XXXX.  The number listed on my credit report is XXXX but the IVR prompted me to call XXXX. I spoke to XXXX who advised that they rcv 'd account X/XX/2012. She advised that they have been sending letters to addresses they had on file ( which were n't correct ). She advised that she could n't tell me when the letters were sent nor when they originally reported the account to the Credit Bureau 's. I asked if she could send me proof of ownership. I.e. Original documents sent to them by creditor and if they rcv 'd any returned mail. She advised that there was no mail returned and that she can only send an itemized bill. She did advise that she will send information to the creditor to request original documents. I requested to speak to a supervisor. She transferred me to XXXX who originally stated that my account was 1st sent to an agency on X/XX/2012. advised that, that is incorrect as account is listed on my credit report since X/XX/2012. He also advised that there was a letter sent out in X/2012 but they got a return from the post office. He advised that they have this account listed as " bad address ''. I have never rcv 'd a bill or any kind of mailing for this account. I was never given a fair chance to make arrangements to pay this account before this hit my credit, if this is a valid debt.
I have incorrect information on my credit report indicating that I missed payments on a home loan XX/XX/XXXX. I sent in a document from the loan company supporting my claim but the only change was they added a XX/XX/XXXX report as well. I received nothing from Experian. The incorrect information is still part of my credit report.
Both last year and this year, Equifax refused to generate a credit report online and wanted me to fill out a form and send sensitive information through the mail. Last year, they generated the report online after several days of trying. Since it happened two years in a row, I think this is just a scam to avoid their legal obligation to generate the credit report. 
I want to report Equifax for illegally throwing up a barrier to avoid their legal obligation.
I submitted a certified letter to Credit Reporting Agencies XXXX, Transunion, and XXXX in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.
I submitted a complaint last week. It took EQUIFAX less than 48 hrs to decide NOT to read my complaint including an attachment providing full details regarding the false & illegal reporting in my name. The following is what has taken place since I filed my complaint last week " Initial complaint " EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all three credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it '' End of initial complaint '' EQUIFAX response " Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. Written confirmation has been mailed to you on XXXX/XXXX/XXXX. '' My response after receiving a response like that ; " I am so sorry you choose not to read my complaint in its fullest as I attached a letter from your client verifying that she told you to remove her claim back in XXXX but yet you choose to ignore your own client and illegally reporting items in my name. It is amazing the knowledge you can gain by actually taking the time to read what people give you. I strongly advise you to actually open the attached document, read it and then respond.If you still struggle reading the document which is written in XXXX please let us know so it can be translated. If you can not open attachment, you need to let us know. '' I look forward to EQUIFAX actually reading the attached letter from their own so called client in which the client states she informed EQUIFAX back in XXXX to stop reporting the claim and to remove it completely " I guess EQUIFAX believes they do n't have to follow the law even-though their own so called client has told them to stop harassing me and to stop reporting a claim. I have attached the letter again. Please do open the attachment that has ALL the information they claim they did n't receive. Furthermore the claim that EQUIFAX contacted me for further details is a lie. I would love to see prof of this claim. If EQUIFAX continues to believe they are above the law, then police will get involved and charges filed
I looked at my credit and found a collections item on Transunion from XXXX XXXX XXXX. I asked for validation a week ago ands told It would be sent but they did not ask for my address. The credit reporting agencies have this up now as truth, and I knew nothing about this, The process was circumvented and Transunion is complacent in this. I want this investigated. The reporting agencies make it almost impossible to do business with them. I believe this was put on my credit report due to false information, I was not sent validation even after requested, I can not find the original creditor of this alleged debt, The company that placed this item on my reports does not hold a license in my state to operate as a collection agency.So in short this credit bureau has put and item in collections solely on the word of a company that has been accused of scamming consumers. This fact makes the agencies an accessory to the harm this is doing to my plans to refinance under HARP before XXXX
I received a call from XXXX saying that I owed $ 200.00+ on a US Bank account from an over draft. I do not currently have a US bank account and have not since prior to 2006. I asked for more information on the debt, and asked for the number where I could reach out to US Bank to confirm the outstanding debt and make a payment directly with them. When I refused to pay over the phone, I was called and " ignorant XXXX XXXX, '' and was promptly hung up on. I called back to speak to a supervisor, and ended up in a voicemail box. I left my information to have a supervisor call me back so I could get more information on what was going on. After a couple of minutes, another number, this time, XXXX called me back. At first it seemed somewhat normal, we went through verifying my information, none of which, except the phone number and first and last name matched my identity. At this point, I was threatened with a warrant being filed on me ( or the other person bearing my name ) and that they " would see my XXXX in court. '' After this call I called US bank to confirm the information I got from them, as they had given me an account number. The account was not found at US bank, and I was told this was likely a scam.
I received a letter from a debt collection company on XX/XX/2018 demanding payment for a supposed debt, they failed to give thirty days notice of the assignment of the debt to them which is required by Florida debt collection laws. ( As per Florida Statute, Title 33, Chapter 559.715 In order to resolve the debt i sent them an offer of approx 40 %, ( XXXX ), of the amount they claim i owe, ( XXXX ) .They responded with a second letter on XX/XX/2018 stating " they accept my offer of XXXX dollars '' and demanded i pay within 30 days. 

I never offered them XXXX, they are fraudulently claiming so, on top of their violation of florida debt collection laws. 

i have attached all correspondence between myself and this company
All THREE Credit Reporting Bureaus- XXXX  , TransUnion and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX  by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.
I have been receiving collection calls from Ally Financial after I explained to them I am not the party they are seeking please remove my number and do not call my cell. I have received XXXX more calls this week from XXXX harassing me, these calls were made on XXXX and XXXX to my cellXXXX. I understand they are currently in violation of the FDCPA prohibiting calls to my cell after I have told them numerous times not to contact me I am not the correct party. I will also send this complaint to the CEO of the company
For the last 12 months XXXX has been selling this account to various collection agencies. XXXX of them to be exact. I do not owe XXXX anything. I had service with them and I paid my bill then closed my account. I then had service with another company. XXXX came and picked up the equipment and gave me a receipt. First XXXX claimed that I owed the amount for the equipment then I produced the the receipt. For the past 12 months they claim its for service. I produced the bill for the new cable company with the installation date on it. With each collection agency they change the XXXX account number but the amount is the same {$1400.00}. The last agency added XXXX cents. It has been added to my credit report at least 5-7 times. This harassment has to stop. I ended my service with XXXX XX/XX/2014. No early termination fees. No last bill. My balance was {$0.00} before I disconnected my service.