WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy
Chexsystem 's continues to deny my claims that i have identity theft even though i have filed a FTC Identity theft report which i will attach. ChexSystems is reporting that i have " Account Abuse '' with a XXXX XXXX. Which i have never banked with. This is a credit union, i have contacted numerous times and they refuse to work with me. They tried sending me a pay to delete letter but chexsystems still didn't remove it. I advised Chexsystems and XXXX i have experienced Identity theft. I want ChexSystems to actually review my claims instead of just denying my disputes saying if i don't file a police report they won't investigate. A FTC Report is essentially a police report, the local PD can review these reports. 

I want this information updated and removed from my ChexSystems report as it is causing personal harm to me. Per the FTC note to furnishers, false information and fraudulent information should be removed immediately per the FCRA requirements of identity theft. Please review the attached report. 

Remove the accounts for XXXX which i never opened and XXXX XXXX and XXXX XXXX XXXX.
I applied and got approved for a business and personal Chase XXXX XXXX Credit Card in XXXX of 2017. At the time there was a promotion that stated I would receive XXXX miles for any friends I referred. 
I referred my mother the same month and she also opened a business and personal XXXX credit card. About two weeks later after she opened her credit cards, I called Chase customer service to see if my referral points had been issued. The representative stated that it would take a few weeks before I saw them reflected on my online mileage statement. 
Months passed and I finally got around to reviewing my mileage statement earlier this month and realized 8 months after I referred my mom my mileage had yet not posted. I called Chase again and they stated that the original representative had not informed me correctly, and that in order to receive the referral, my mom had to use a special link which would then link me to the referral. I explained to her that I was not told that by the original representative and the current representative acknowledged that there were no notes on the system from the original representative advising me of the process. 
She then told me to contact XXXX to resolve the issue. I called XXXX airlines and after holding for over an hour I was informed that I needed to call Chase again because I was told incorrectly. Chase was running the promotion so they were liable for the XXXX mileage credit. 
I then called Chase again and escalated to a manager who apologize and stated he would request my mileage to be posted. A few days passed and I got another call from a Chase representative who stated that I would not be getting my referral mileage after all because my mom opened her credit cards on the same month as I did. 
I asked him where on their advertisement does it state that the referral can not open the credit card the same month as the person making the referral. The representative stated that this information was not on any of their advertisements and that legally they did not have to disclose the terms and conditions of this.
XXXX XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.
I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.
XXXX XXXX was paid in XX/XX/2011 through a XXXX debt consolidation company located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX settled during a 3 way phone call between myself, the debt consolidation agency and a XXXX   representative for hald of the {$1400.00} owed. Since that time, there have been 2 different debt collection agencies, who have tried to collect on this. Most recently XXXX XXXX XXXX , XXXX tried to collect via XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX-XXXX. I am tired of being contacted, every few years, by some random collection agency attempting to collect on a debt that XXXX accepted a settlement to pay off.
Acct XXXX My used XXXX XXXX XXXX, that I bought in XX/XX/XXXX, financed by Wells Fargo Dealer Services ( sold by XXXX XXXX XXXX, XXXX, OH ) was totaled on XX/XX/XXXX, in an accident. I have no car now. From the day I purchased this used car, I have already paid {$8900.00} till XX/XX/XXXX to Wells Fargo in down payment and monthly payments. My auto Insurance, XXXX paid Wells Fargo {$5800.00} and GAP insurance from XXXX paid Wells Fargo another {$4000.00} So, Wells Fargo has received now a total of {$19000.00} for a car valued at {$880.00} Wells Fargo owes me {$5300.00} in over payments ... .but when I requested that amount to be paid to me ... I got a shock when THEY want more money from me for crying out loud ' Sadly, Wells Fargo wants me to pay them another {$1100.00} for some trumped up bogus charges. I know it is Fraud because the car was valued at {$9800.00} and Wells Fargo received about twice or more than that .... BEFORE EVEN THE CONTRACT WAS OVER. THIS IS FRAUDULENT BUSINESS PRACTICE BY THIS GREEDY COMPANY. I AM RETIRED AND ON SOCIAL SECURITY. I AM AGHAST and devastated AT THEIR DISHONEST BUSINESS PRACTICES. WHO WOULD HELP ME? WILL YOU? Wells Fargo twists facts and muddles figures as needed for their nefarious and evil business agendas and engage in unlawful activities to exhort money from American citizens at the heavy cost to the plain truth. Even today, the media broadcast the news where this company defrauded millions of customers regarding the auto insurance. Fraudulent business practices is in its ' blood. FACTS. Wells Fargo received a total of {$20000.00} ( approx ). from me, for a XXXX used vehicle worth {$8900.00} 4 years before it was supposed to have received the money. It is collecting compound interest and will keep on accruing on it for the next 4 years. Still it is trying to twist figures through high profile crooked accountants in its employ and trying to BLACKMAIL the consumer ( me ) into arm twisting for MORE MONEY. This is illegal and this company 's employees involved in this charade must be punished to the full extent of the law.
I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE
Equifax has reinserted an previously investigated and deleted account into my credit. Utilizing a credit monitoring service, on XXXX/XXXX/2016 I discovered the account ( XXXX XXXX XXXX Account # XXXX ) had been recently reinserted. As required by the FCRA, Equifax did not notify me of the reinsertion within 5 business days.
This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling.
Hi i opened up this account with promo code XXXX and was suppose to receive a XXXX $ bonus for doing a bill pay transaction of XXXX $ or more, its been past 90 days and i still haven't received the bonus. 
The terms say " Once all conditions and requirements of the promotion have been met, a promotional credit will be applied within 90 days from the date of the qualifying bill payment. '' The Bank was BBVA COMPASS
This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by Equifax that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. Equifax assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
Chase has been charging me late fees for three years in excess of {$1200.00} for a returned payment of {$28.00} dating back to XXXX XXXX. I had been assured that I would not have to worry about fees under their AutoPay system, which I enrolled in sometime in XXXX. I called up to inquire about why they XXXX my account, again, as well as why there was still a balance on my card. They also had n't sent me a new card, as my old XXXX had expired at the end of XXXX. Instead, I 'm told that I 've been assessed late fees for 30+ months and that returned payments are can not be processed through their AutoPay system, which I was not aware of. They repeatedly XXXX my user account and I was unaware of the issue with the payments or that late fees were being assessed. They charged {$35.00} penalty monthly and refuse to assist any further with late fees apart from a credit for this month. I have paid more in late fees than the limit on the card of {$1000.00}.
I have an account with Capital One Quicksilver MasterCard.  Capital One change the Account number at XX/XX/2017 XXXX use to report that account every month. I dispute the account balance one time to XXXX. after that they stop report the account every month as they should. Several calls made to Capital One supervisor and several calls made to XXXX with Capital One on line ( 3 Way calls ) to insert the account. No, responses from XXXX. Capital One told me many times that they sand the farm to XXXX to insert the account an XXXX said we did not received any letter from Capital One Vis versa. that account reported before by XXXX and been reported by XXXX and XXXX.
In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.
On XX/XX/XXXX, a company called XXXX XXXX Showed up as an Inquiries on my credit report. I was not looking for any credit or loan for the last 6 months so no one should be pulling my credit. I immediately called Experian and ask them about it and why do n't the inquiries have a telephone number on it so I can call and see who pulled my credit and why. I also put a lock on my credit to make sure this does n't happen again. It is a very comfortable and scary when company pull your credit without your permission because it could be someone trying to get a credit card or a loan in your name without you knowing. Whoever company did this pull my credit did it without my consent and I want the inquiries to be removed from my report and a notice sent to them that this inquiry was fraudulent because I was not looking for credit from anyone during this time. I did a dispute with Experian and ask them to remove this inquiry. No company should pull anyone credit without your consent no only it violates someone credit report, it takes down your score up to 7 points and also can look at as if you were looking for funding and most lender look at recent inquiries as a negative thing that can stop you from getting funding. No good lender want to give you funding if they think you just got funding, they are basing your debt on what you have at that time. The second pull from XXXX XXXX is on XX/XX/XXXX I am not sure where that came from because it is 7 months ago. Be I am 100 % the first one on XX/XX/XXXX was not done by me or my consent.
There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report.
Equifax has a previous address listed as my current address, and my current address listed as a previous address. Attempted to file a dispute online to correct address information, but the system could not confirm my identity. Attempted to call, but have only gotten the automated answering system, which connects to a busy dial tone ( not even put on hold ) when I attempt to speak with an actual agent. Because I can not contact Equifax to correct my current address, I am unable to get identity theft protection, because the identity theft protection company can not verify my identity while one of the three credit bureaus is reporting a current address that is incorrect.
Creditor : TD BANK USA/XXXX XXXX. Account # : XXXX, account ID : XXXX. I recently filed a dispute directly with the creditor and requested an investigation into the account as I found multiple inaccuracies being reported in my credit files. The specific inaccuracies are shown in the attached letter mailed to the creditor. I also contacted the creditor via phone and a representative named XXXX, explained that this account was very old and no information could be verified. My best option was to mail a letter because it would take about 30 days to conduct the investigation since information was unavailable in the computer. If the representative is telling me to mail in my dispute, and that it would take 30 days to conduct an investigation into the account, why was a letter sent to me by the creditor within 4 days of receiving my dispute? Upon receiving the attached response from XXXX XXXX dated XX/XX/2018, the specific items mentioned in my original letter to XXXX  for this account continue to be reported inaccurately. In other words, nothing has been corrected and XXXX continues to verify inaccurate information as accurate to the credit bureaus. XXXX is just trying to maintain inaccurate negative information in my credit file because they work with the credit bureaus to profit off of negative information. 

TD BANK USA/XXXX XXXX has not conducted a legitimate and reasonable investigation as required by the FCRA. TD BANK USA/XXXX  XXXX should be held accountable for violation of federal consumer laws.
free consultation at XXXX XXXX care XXXX ran my credit for wellsfargo and XXXX XXXX was approved wellsfargo XXXX XXXX XXXX XXXX used up XXXX i got back XXXX in my acct because i cancelled XXXX plan now being charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX fee XXXX XXXX XXXX Fee XXXX XXXX Total amt that wellsfargo charging for is XXXX
AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! 
THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!
I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.
On XXXX XXXX, 2016 I received an email at XXXX that my Citi XXXX XXXX credit card was compromised. The company stated that they would re-issue me a new XXXX for my security. I was able to use the one I had in my possession until the new XXXX came in. On XXXX XXXX I tried to use my credit card at XXXX of the merchants I usually purchase from and the card was declined. I called customer service and was told that my account was completely closed as of XXXX XXXX and they could not give me any more information. I was told to wait until a letter arrived in the mail from them. I called back later that night and told them that I had {$8200.00} accumulated in my cash back rewards that I had been saving throughout the year. I was told since they closed my account that I forfeited the amount I had been saving. I have never had a missed or late payment. I have been to a Citibank branch and have called numerous phone numbers and have not received any help in resolving this situation. All I hear is " wait for the letter '' and as of XXXX XXXX I have not received any letter explaining the closure of my account.
Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with.
i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on XXXX
There was a pending transaction that fell off and they still overdrafted my account. I turned off overdrafting 6 months ago and it doesnt matter. They overdraft anyways. 

All dates and balances are in the screenshot I uploaded.
I noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.
A outside collection agency told me to make a payment arrangement in order to not be served at my job. The name of the collection agency was XXXX XXXX. Come to find out the payments that I sent were never credited to my payday loan. When I called the company they stopped answering.
Recently I disputed a bankruptcy with Experian that was verified as accurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that Experian is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my Experian report and has long been gone from the other credit reporting agency 's ( XXXX and XXXX ). I have uploaded documentation that supports my claim. please review thanks.
XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I placed an order online with XXXX in my RushCard account show as pending, called the company several times & I 'm being told they do n't see a transaction but my money is gone from my account balance!