WillisBack/dataset-financial-user-claim huggingface dataset:
I send letter to dispute latter to XXXX XXXX XXXX, XXXX about the debit that they try to collect and i ask them to provide supporting documents about their claim include credit application for this debt ( {$1900.00} from -- XXXX XXXX  ) that signed by me. they did not provide any supporting document that shows i applied for those credit cards. Those account opened and used by fraudulent activity. ALSO, this debit collector duplicate reporting in my credit account. they did not do any proper investigation about debit and instead they just damaging my credit with false claim. 

Date Reported XX/XX/2018 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 6 Months Credit Limit Not Reported Highest Balance {$1900.00}
On more than one occasion, my bank has charged my wife and me an overdraft fee on our joint checking account without an actual overdraft occurring that we can see in our records. When this " overdraft '' occurs, the bank puts charges our bank credit card, although we are not overdrawn. In addition, we are charged a separate overdraft fee. When this happens, we are required by the bank to come to a branch and show that our account is not overdrawn, and the bank takes the charge ( s ) off the account. We have been dealing with this for approximately three years, and it 's frustrating and time-consuming. My real concern now -- and the reason I am contacting you now -- is that the bank is most likely making the same unwarranted overdraft charges to a lot of their other customers. This most recent time I captured a screen shot photo of our account showing that there was still sufficient funds and their activity including charges ( see attached ). Thanks,
XXXX is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
I filed a complaint with Experian requesting them to remove a name that is incorrectly reported to them my official name as it is on my NC drivers License should be XXXX XXXX XXXX. 

One of the incorrect names on the report is XXXX XXXX, I informed them that this was the incorrect information and they sent back that they would not be removing the information, that is the information that is sent to them from another but I would have to contact Experian to be able to contact the source and they supplied me with a number. 
Just because a source gave them the name does not mean that they took it correctly, Experian thinks they are always right and it is my right to have the correct information on file. I think I know what is correct and they act like that I am trying to remove something that is illegal or illegitimate.
XXXX XXXX repair with a new radiator.Somehow they got coolant in engine which blew the engine. this occurred XX/XX/2018. I continued to pay my car note 2 more months. then i filed a gap insurance claim which was denied. the claim was denied then they cancelled my insurance. Chase Auto repossesion of my car then sold it without notice or authorization.They mailed me a letter after they sold my car.
There has been several disputes submitted online to have the inquiries removed. Equifax keeps sending results saying they have been verified. I need to see proof that these have ACTUALLY been verified. I do not recall authorizing. Under the Fair Credit Reporting Act, noone can request my credit without my permission. I would like to be shown proof that I in fact authorized this inquiry, or please remove from my credit report.
Creditor : XXXX XXXX BANK XXXX NA ACOUNT # XXXX BALANCE : {$720.00} CREDITOR : XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX XXXX XXXXXXXX XXXX XXXX DOCKETS # XXXX TYPE : CHAPTER XXXX BANKRUPTCY DISCHARGE INQUIRIES THAT DOESN'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ADDRESS BELONGS TO MY EX-WIFE, FATHER AND SON. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX
We were pre-approved for a service many years ago, and just recently ( 2 years ago ) when we went to do a refinance we were notified that we had a debt from the banker not the collection agency. Then I followed the steps to prove I do n't owe, and I got a voicemail saying the claim has been paid, and I do not owe anything. Recently I was called again saying only part of it was paid and I still owe money. I asked for verification of debt and have not received anything. I last requested and explanation of benefits vial emai as I was told to do on XX/XX/2016 and then spoke with XXXX from Maury Cobb again on XX/XX/2016. I do n't have any bills to reference because no one will send me any information just a few reference numbers.
I 've asked Experian to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which Experian must have on file and received nothing to day. Last correspondence stated Experian will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at Experian request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question Experian 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.
XXXX Mortgage is attempting debt collection activity on an account with a zero balance. They have consistently reported incorrect balances, history and status of this account to the credit bureaus. On the XXXX report the balances indicated zero balances. However, on the Experian and XXXX report it reflects amount past due exceeding {$100000.00}.
Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After XXXX years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission CAPITAL ONE AUTO FINAN XXXX {$3000.00} - - Installment Negative XX/XX/XXXX CAPITALONE XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX
The credit cards are not processing the charges in a timely manner. It is impossible in a volatile currency situation to obtain the exchange rate on the day the item purchased is actually charged. Credit card companies may be holding charges to obtain the best possible currency exchange rate especially in volatile markets. The rates charged should be on the date the item is purchased and not the day the item is processed to avoid currency game playing. 

All credit card companies should be required to post the exchange rates they are using so consumers can determine which card to use. Currency conversions should be transparent. Credit card companies are claiming they are not assessing foreign transaction fees but they may be building in the fee into the exchange rate. Transparency will provide a clear indication of what rate is being used so consumers can determine which card to use. 

See : XXXX
To whom it may concern, I am having problems with Equifax. There is a lot of information on my credit file with Equifax that is not mine. I am a victim of identity theft therefore I have a lot of fradulent accounts and information that is not up to date. I have XXXX fraudalent tax liens from the state of alabama iternal revinue service. They are XXXX State income tax accounts that are fradulant and are not mine. I have disputed this accounts with the proper documention from the state of alabama that I have sent to equifax and equifax do not want to remove those XXXX negative accounts which are public records. I have attached the documents which i believe can make those XXXX negative fradulent accounts be deleted from the equifax credit file. I have contacted XXXX agencies and they tell me that they have done everything they can. Equifax wants specifics and The state of alabama does not want to rewrite any letter to me or equifax which equifax wants numbers and for the letter to say that those accounts need to be removed from my file. The state of alabama put out that public information and now those XXXX fradulent tax liens have been terminated, canceled, and released the tax liens previousliy filed against me. Please help
I have a checking account with Citibank. I deposited a check in the amount of {$2700.00} from a publishing company on XXXX XXXX, 2016. The bank would make only XXXX cents of it available on that day. Then it made {$200.00} available on XXXX XXXX, and {$400.00} today, XXXX XXXX. They called a " standard delay ''. 
Citibank never informed me of this " standard '' and never used to do this in the past. 
This policy caused a depletion of my funds to such an extent that my wife and I could not check out of the grocery store. 
Not only should this policy be reversed, but Citibank should also pay us a compensation in the amount of the check, and pay the Federal Government a fine for defrauding its customers. Citibank and other banks should be prevented from using the money from my check while withholding it from me.
On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report from XXXX  XXXX XXXX XXXX. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent 5 certified letters U.S.P.S Postage mail to this Reporting Agency over the course of a year. Ive disputed these same items 19 times & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US XXXX district Courthouse & their response which I can provide is that they do not report any activity with credit bureaus. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Equifax report and not any other bureaus.
On XX/XX/2018 I received a bill for a {$4.00} toll-road charge from XXXX XXXX XXXX XXXX for using their toll road on XX/XX/2018. The bill says the due-date was XX/XX/2018, so I set the bill up in my bank 's BillPay system to distribute the funds on XX/XX/2018. 

On XX/XX/2018 I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX XXXX, saying I had not paid this bill, and had been sent to collections for a total of {$35.00}. The letter was authored on XX/XX/2018 - a full XXXX XXXX XXXX XXXX days before the bill was due. 

To be clear : The funds were delivered in full ( {$4.00} XXXX to XXXX XXXX 's billing address of XXXX. XXXX XXXX, XXXX, CO XXXX on XX/XX/2018 - a full business day before the bill 's printed due-date. My bank can provide additional proof of this via a payment verification inquiry, if needed. 

On XX/XX/2018, I drafted and sent via Certified US Mail, two Debt Verification letters : one each to both listed mailing addresses for the offices of Linebarger Goggan Blair & Sampson, LLP. The letters were delivered XX/XX/2018 and XX/XX/2018, respectively. 

Despite the above, today, XX/XX/2018, I am in receipt of yet another bill from XXXX XXXX XXXX XXXX. 
Attached you will find copies of the original bill, the debt-collection letter, two debt  verification letters, two USPS Certified Mail Receipts, and one USPS transaction receipt with tracking numbers.
I was XXXX XXXX XXXX XXXX when I received an email stating that my account was being transferred from XXXX XXXX to Navient. My interest rate went from 2.5 % to 7.4 %. When I called from XXXX to ask why they stated they now had control over the account and that was the new interest rate. I was horrified but unable to do much about it so to this day I still pay this enormous rate to pay off my XXXX Loans.
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.
XXXX XXXX has incorrectly reported on my credit report for a collection of {$230.00}. My balance was paid through XXXX and XXXX XXXX has incorrectly reported a collection report on my credit report. I would like XXXX XXXX to immediately remove it's report upon my credit report to all 3 credit bureaus. Thank you.
On XXXX/XXXX/XXXX I saw on social media that " students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the " Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular " company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally " take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the " program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. 
If you are hurting/struggling to repay your loans, please use extreme caution when being offered " to good to be true '' offers.
XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company to dispute accounts and requested validation of the accounts. The accounts are being reported on my credit reports negatively. I have submitted FTC and police reports to company.
This is my o ver 20th time  in trying to clear this up. Equifax has me held hostage. They claim they have fixed this problem f or over two years, and I still ca n't access my credit file. I 've attached two documents. 1 from   XXXX   XXXX    where I was denied credit since I could NOT lift my security freeze a nd 2 a nother le tter ( same one sent over a year ago ) telling me  everything is fixed. It is not. When I attempt to lift the freeze, following the prompts, entered my SS # and # 's of my address response : we are unable to match the records.     An attorney is my next step. Class action lawsuit? I can not access my file to lift the security freeze and have NOT been able to do so  for over two years now. When will this be fixed?
From XXXX XXXX to XX/XX/XXXX I had a contract with XXXX XXXX XXXX company in XXXX TX. I discontinued my service due to work relocation, paid my bill and sent the equipment back to the company. 

On XX/XX/XXXX I applied to refinance my home loan in WA and saw the negative mark on my credit for a charge from XXXX XXXX XXXX. This mark lowered my credit score roughly XXXX points from an XXXX to a XXXX. 

I contacted the collection company seeking payment ( EOS ) and they gave me XXXX contact information. Upon contacting XXXX XXXX XXXX they told me that they never received a cable modem back from me in XX/XX/XXXX. I told them I sent it back and asked for the tracking confirmation for the box they sent me to return the equipment. The representative told me they could n't see and notes or information on my account because it was so old. They had very limited information. I also never received any mail or telephone calls related to this charge for the equipment from now back to XX/XX/XXXX. I asked for verification for any type of attempted contact and they also said they had no records for that. 

I have always changed/ forwarded my address at the United States Post Office upon relocating for work promptly because I value paying my debts and having a perfect credit score. I contacted the US Post Office to try and show verification of that, but they only keep copies of those records for one year. 

I am very responsible at paying all my bills and debts before due dates. I would have perfect credit if it were n't for this XXXX charge from XXXX XXXX XXXX related to a modem that I did return. If the modem never returned back to the company it was either lost in the postal service or there was an administration mistake, but due to XXXX records or lack there of, there is n't any information to prove a case. 

I never received any type of collection notification or opportunity to settle this issue prior to it appearing on my credit score.
Somethings were disputed. And I have n't got a response. Then also they 're a of inquiries that are n't mine.
I financed repairs to be done to bring my property up to standards through a XXXX loan and the contractor I chose and who was approved by the lender did not complete the work and did more damage than repairs. The lender was made aware of this XX/XX/2015. They were in control of my funds and released 1/2 of the funds to the contractor up front ; they allowed the contractor to exceed his contract due date. And, now they are saying I am in default, even though I have made all my mortgage payments. They are blaming me for the work being stopped for more than 30 days. 
In XXXX 2015, after allowing the contractor to exceed his 90 day contract, the the lender hired a HUD consultant. The HUD consultant stated that 85 % of the work was complete, regardless that it had not been completed in a workman like fashion and failed the final inspection. The lender since XX/XX/2015 insists on only allowing the remaining funds on the loan to cover a repair list provided by the same HUD consultant ; completely ignoring the bid of record which was given to the appraiser in XXXX 2015. 
They have refused to accept any other bids which now exceed the amount of funds left on the loan due to their allowing the contractor damage more than he repaired. They promised that " no matter what he does, we will get someone in there to finish, fix and repair. '' XX/XX/2015 the lender wanted me to allow the remaining loan funds be applied to the pr principle of the loan ; at the same time they were made aware that the new roof was now leaking into my brand new living room and the support beam etc. was not repaired. They have repeatedly threatened default taking their attorney 's fees out of the renovation funds as well. I have also spoken with the original appraiser and he stated not only did the ask for the appraisal and was given the report XXXX/XXXX/15, they then requested a completion inspection on XXXX/XXXX/15 ; the actual closing did not occur until XXXX/XXXX/15 and he sent correspondence asking if they were certain ; they insisted on an inspection ; he inspected and sent a report that none of the repairs had been completed. FHA and HUD have done a review at my asking ; at the time they were not aware of the appraisal issues ; but I have communicated my new findings to my contact in XXXX XXXX. The chief of HUD and the contacts at FHA have urged me to contact you and keep pursuing the issues through my attorney which is difficult because I am a single female and have limited funds ; the co-borrowers are my XXXX year old parents.
Santander Bank is advertising " Purchase Assurance ( XXXX ) -- Insures you for 90 days from the date of purchase for theft, damage or loss up to {$1000.00} '' as a feature of the XXXX debit card. However, they do not actually offer the service. When I went to file a claim they did n't know about the service at first. Then when they did they directed me to XXXX. XXXX said Santander did not buy the insurance policy necessary for them to offer this service. 
The Purchase assurance is advertised in hardcopy material provided when I opened my account as well as throughout their website, including at : XXXX
On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX  XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.
I have never applied for credit ever and someone elses debt is showing on my reports also I recently applied for a XXXX XXXX credit card and was denied stating I filed bankruptcy which I never filed in my life. 
Im a victim of identity theft and filed a report with the ftc