WillisBack/dataset-financial-user-claim huggingface dataset:
i sent in this letter i got mailed from XXXX upon removing their tradeline error from my Experian credit report. This is the second time that i had to initiate a complaint about the non-performance of Experian. I call Experian about the innaccurate info reported on my report and they tell me to settle it with the creditors and then send them proof to get the innacurate items removed. I did just that for the removal of 5 inquiries posted in error, they recently denied the request. So here i am again, did my due diligence with XXXX and they have concluded to remove their tradeline. I am just here to speed the process up as i have the right to forward mail from creditors to bureaus for faster updates. Experian needs to do their job this time, no excuses.
I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : GM FINANCIAL XXXX : {$25000.00} XXXX XXXX : XX/XX/2017
I had a chapter XXXX bankruptcy that was DISCHARGED case # XXXX this was discharged by the United States Bankruptcy Court on XXXX XXXX, 2015 but a few months passed and Equifax was reporting my bankruptcy as dismissed that is incorrect that is negative information it should have said DISCHARGED so i disputed the information. They failed to correctly report my bankruptcy after XXXX investigations i even sent them by fax my discharge letter which when i call Equifax they say they can see it on there computer? So after the 3rd attempt to change the verbiage from dismissed to discharged they totally REMOVED my bankruptcy from my credit file. Now all my accounts that were paid in full by my chapter XXXX discharge are reporting as late or charged off and it has seriously dropped my score.
This letter is in response a letter dated XX/XX/2018 from Resurgent Capital Services claiming I owe them {$970.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Resurgent Capital Services this amount.
Target acct # XXXX Closed XXXX/XXXX/14 still showing on my XXXX report. Need to be removed.
Shellpoint mortgage incorrectly paid our taxes twice in XXXX of 2016, which in turn sent our escrow payment to double what it should be. We had to struggle to get the overpayment refunded to our account, that finally happened in XXXX 2016. Now they are not able to get the tax payment schedule figured out ( either paying taxes twice a year or once a year. ) In turn our escrow payment is still double what it should be, which is resulting in a much higher payment than we should have. After repeated phone calls since XXXX, there has been no solution. Our XXXX payment is still {$600.00} higher than it should be. XXXX admits there is a problem, but says that a third party handles taxes and escrow for them and is n't sure why this has not been resolved.
XXXX XXXX, 2017 XXXX XXXX XXXX {$XXXX}. I had insurance that I gave to this department that was never filed by them. I do not feel that I should be held responsible for an error they made. 

XX/XX/2017 XXXX XXXX XXXX, {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed. 

XX/XX/2017 XXXX XXXX XXXX {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX/XXXX  created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
XXXX ) i notified XXXX that on XX/XX/2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA XXXX ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
I applied a credit card to a XXXX XXXX XXXX and they denied to me. 
Reference number : XXXX After careful review, we are unable to approve the XXXX XXXX XXXX XXXX you requested because you have current or past delinquency with one or more of your creditors. 
We received your report from : XXXX, please contact. 
I tried to contact experience three days consecutive and they did not pick up their phone. So, I used their website and I saw that in my credit report XXXX collection agency and they are : 1. AFNI , INC XXXX XXXX XXXX XXXX, IL XXXX Creditor : XXXX Account Number : XXXX I do n't have any account XXXX. 
I tried to contact AFNI, they do not pickup their phone and their number is XXXX. 
2. XXXX Account number : XXXX creditor : My urgent care I got an accident and the company send me there, I thought that the company was paid what they charged to me. the money was {$220.00} and now they doubled and they do not contact me. 
3. XXXX XXXX XXXX ; They contacted me and we agree a schedule to pay off the debt for fur payment ; I paid {$100.00} on XX/XX/2016.The other payments will be : XXXX, XXXX, XXXX XXXX, and XXXX XXXX, 2016. So, I want know that Why XXXX all the time they said my credit score is XXXX. I pay my bills on time and I do n't have any problem my credits.So, I want know that an XXXX why they decrease my credit score and denied the credit that I applied?
Hi In XX/XX/2011 I telephoned Chase Bank to cancel my XXXX XXXX XXXX XXXX credit card which was accepted. As with all my credit cards I have auto pay, to automatically pay the balance in full every month. My accountant just realized that for the last 7 yrs they have been charging me a {$60.00} annual fee, even though I canceled the card, made no purchases, made no inquiries, never logged in, or even possessed a valid credit card or activating one for the last 7 years. I do not understand how they can justify charging me when I didn't even possess a valid credit card. Every 2 years it expired, and not once in the last 7 years did I receive a new one as was customary or activate it. To verify, I logged into my account recently and got the last 7 years of statements, only one per year the XXXX  annual fee one. Chase did confirm they are now closing my account but will not refund the annual because of time lapse. My credit and credit history is spotless which is easily verified. I take this sort of injustice seriously. 
Thank you in advance for your assistance. 
XXXX
The interest amount of a {$570.00} loan was over 500 %. I ended up paying over {$3600.00} for a year payback amount.I need to know if this interest amount is legal
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX XXXX XXXX, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.
Bank of America is misreporting on my credit report a credit card that has been charged off. The account was charged-off back in 2012, however Bank of America continues to report the account as an account as open but also with a past due balance, which is reflecting a missed the payment for every month since the charge-off date. Charge-off accounts can not be legally reported as having been past due every month after they 've been charged-off, they are supposed to show that the balance has been charged-off. Instead for the last 5 years, every month, they 've reported a new late payment on my credit report, so this account shows I have over XXXX late payments after it was charged off ( Please see attached excerpt of credit report ). This is a blatant violation of the FCRA.
I spoke with a rep after XXXX/XXXX/XXXX with XXXX. The rep advised that the request on XXXX/XXXX/XXXX was received and confirmed that my request was pursuant to my rights afforded by FCRA 611. The rep advised that although pursuit to my rights by FCRA none of the accounts included on my request were verified with my original contract or identification provided at the time of applying because those companies are n't required to do that. I advised the agent that per my rights afforded to me by FCRA credit reporting agencies held the responsibility to verify anything added to my report with the original contract. The agent then went to advise that although you did not complete your steps as a credit reporting agency you did not remove unverifiable accounts from my file. The information in response to my complaint it states, " For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. '' This does not correlate with the information provided by the representative who confirmed TransUnion did not get proper verification under FCRA 611 and provide me copies. It also does n't correlate with the representatives advisement that the accounts were not deleted.When i first reached out to TransUnion regarding a copy of my report and the proper steps to take regarding my disputes I was then advised that for public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly to FRCA and other laws thought were included with my report titled YOUR RIGHTS AS A CONSUMER. According to the information confirmed by your agent that had not been done and a copy of the verification documents ie ; original contract, proof of identity, and/or updated credit report was not received by mail.
I took out a student loan at XXXX XXXX. The school went under but I was still at that point obligated under the loan. I ended up filing a Chapter XXXX Bankruptcy and received a discharge with the understanding that I would still be responsible for this loan. After the filing of the bankruptcy they refused to talk to me and reassigned the loan to my ex-wife who was co-signor on the loan. The student loan company has refused not only to talk to me ( because they claim I do n't have a loan with them ) but they also will not accept a payment. As this is my obligation my ex-wife could attempt to hold me in contempt of court. I am trying to figure out how I can pay my loan. The Credit Provider is Navient. I have on several occasion attempted to talk to them about this and there has been no resolution.
I went to the Chase branch at XXXX XXXX XXXX XXXX in XXXX and asked to sign up for a credit card. XXXX XXXX, the banker, takes me to the private banking section. He recommends strongly that I take the credit card with the highest interest payment. I look at my options, and take the one with the lowest interest payment. Then, I tell him that I make $ XXXX per year, he types it into the computer, and I get approved for a credit limit of just {$5000.00}. He tells me this right after we have a discussion about the {$40000.00} XXXX watch that I 'm wearing. 

I gave this exact same information to the Chase branch at XXXX XXXX XXXX, and I was given a credit limit of {$21000.00}. No paperwork required and no further questions asked. As a XXXX, I can only assume from my own experience that XXXX XXXX would have received some sort of benefit had I chosen the credit card with the higher interest payment. When I did not choose this card, he was insulted and gave me a much lower credit limit than I should have received. I find this incredibly inconvenient, insulting, and most likely illegal.
I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them.
The account in reference IC Systems/XXXX  was created due to indentity theaf. I have contact both XXXX and XXXX on several occasion with no success.
I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact XXXX for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )
I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid to me.
I was sent a cashier 's check that was fraudulent and had no knowledge of it in XX/XX/2009. As a result of this error I have been blocked, without given the benefit of acknowledging that I had no knowledge that the cashier 's check from what I was told was a student loan stipend, from ever opening an account with Bank of America. I was unaware and made it known to the bank that I received this check, along with an email, that said it was my quarterly stipend. It was my first experience with this at the time and I had no idea that this in fact was not a good check. I would like that block removed from my history with them.
FRAUD INQUIRIES THAT I DISPUTED WITH ALL CREDITORS LISTED THAT A FRAUD AND TO BE REMOVED AND NOT ONE CREDITOR HAS REMOVED THE INQUIRIES NOR HAS TRANSUNION >>>>>XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX ) XXXX   XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX  ) XXXX   XXXX Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX   XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/2018 National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Finance ( XXXX  ) XXXX Collections
Dispute letter sent requested verification and validation documentation required by the fcra in the timely manner given and no correspondence and not removed. Improperly reporting to my credit report with. Not legitimately collecting in short.
XX/XX/XXXX XXXX XXXX NJ XXXX Complaint Department Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and found the following item to be in error : My credit report has the below accounts as reflecting closed accounts. The accounts have been transferred to XXXX. These accounts are in error because they closed over 7 years ago or transferred to a new account listed on my credit report. All of these accounts have the same account number as the XXXX account. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Account Numbers : Sallie Mae - Account # XXXX - Account closed XX/XX/XXXX Sallie Mae- Account # XXXX Account closed XX/XX/XXXX Sallie Mae Account # XXXX Account closed XX/XX/XXXX The multiple accounts are affecting my credit score Sincerely, XXXX
I have received numerous unsolicited phone calls offering my business loans lately. I have used the option to stop receiving calls or told the person I am not interested and to take my company off their list. Instead the calls keep coming and now they sent me a credit card in the mail that I did not ask for or agree to. 
The card is from XXXX XXXX, it claims to be a $ 150XXXX limit card that I am to call to activate. No terms, just the card and instructions on how to activate it. I think it 's a scam Ph # to call is XXXX XXXX XXXX.
Dear Sir / Madam, I understand that you had responded to the CFPB complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX of PA Banking Commission, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX 's CFPB complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned CFPB complaint with this authorization. Best Regards, XXXX XXXX XXXX.
I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were Bank of America and XXXX XXXX. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Requested reports by clicking on XXXX  on Washington State Attorney General 's credit site. Requested report on XXXX. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the XXXX website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''.
Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken.
I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction.
Thank you.
P.S. This was all online or by telephone so I have no documents.
Navient was supposed to simplify my XXXX loans. They did not. They made them worse. Lied about payment options, lied about time to pay off and interest rates. XX/XX/XXXX and XX/XX/XXXX I took out loans for a for profit school, which turns out gave me a degree that is n't even acredited when they said it was. They promised job placement and got none. Told loans totaling {$22000.00} would be paid off in 10 years ... I have never missed a payment. 8 years later I still owe {$19000.00}!?!? Something is fishy here ... I have XXXX private loans too. One account number for all XXXX, but checks have to be sent to 3 separate addresses. Which they do n't tell you.
This loan was provided by college, as XXXX XXXX, then it ended up being Navient Loan. For the last two years I have set up several times payments that I ca n't really pay but struggle to make payments. Each time we pay for a period they call and want to increase the payment. I ca n't pay what I 'm paying and I explain how do they expect me to increase the payments. I have several other loans to pay and is having a hard time paying my rent, my car note and other bills. The more I pay on this loan the more it grows. I need help. They call constantly from XXXX XXXX to XXXX XXXX. Saturday through Sunday. The last call I got was on Wednesday, XX/XX/XXXX. It 's to the point that I 'm afraid to answer the phone.
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
My discover credit card (account number ****************) was closed by Discover XXXX. But they never warmed me before nor explained to me that how I violated their policy.