WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.
My credit report shows payments were missed for over 90 days when this loan was paid off months before that. I have disputed this and nothing has been done thru equifax. On the other hand XXXX has fixed my situation. How is it possible to show a credit of over XXXX with one company but then show XXXX with the other. Not sure what else to do!
, i have never lived on XXXX XXXX, i have lived at for 27 yearsat XXXX XXXX XXXX XXXX XXXX
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.
Experian is reporting a dismissed Bankruptcy that is damaging my credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating they are not reporting. This is already a public record and they do n't report to any credit bureaus. I am being penalized as if bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to inability to follow through due too declining health insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the relief or debt forgiveness
I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.
I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.
Disversified Consultants, Inc i s attempting to collect debts I do n't owe them at all. I never established a contract with this company at all. They are a debt collection company that purchased a debt from a company they claim I owe. Documents from the debt they purchased is not a legally binding contract to indicate that I owe them anything.They are in complete violation of the FCRA law and the status of limitation law is being violated also.
I applied online for a refinance mortgage. I sent in my tax returns and other information the Company requested. They pulled my credit on XX/XX/2018. I still have not received any disclosures, denials or other info regarding my application.
Payment amount went from {$22.00} to {$350.00} with no warning from XXXX, this was charged to my account through automatic debit and it is something I can not afford this month. XXXX has repeatedly not made themselves available to mitigate this issue. They do not answer their customer service hotline and I am unable to speak to a representative to resolve this.
Carrington Mortgage states they paid our taxes in our escrow like it was set up, but they did not do so. The money was removed and never given to the tax office to pay our XXXX tax office. We have traced them back to taking the money and never writing a check through their tax office. We have a man named XXXX XXXX who told XXXX never received the funds to begin with and that is why it did n't get paid. These are our fall taxes!!! They continue to tell us they are going to handle our dispute since XXXX/XXXX/XXXX and as of today has again told us it would be resolved by XXXX/XXXX/XXXX. The office talks over us and we can not get a manager or supervisor due to the person always stating " we ca n't do that '' and when we want them to find the money with our parcel number they state " they ca n't do that for us becausewe are in a dispute. '' We would like to have the theft of our tax money from our eacrow resolved. We had our escrow put in the negative by {$4.00} immediately upon this company taking over our mortgage and them taking our house payment up {$50.00} after it switched from XXXX. We are having this company steal our money and refuse to right!
I got a phone call on XX/XX/XXXX at XXXX from a UNKNOWN number. I missed the call so it was transferred to the voicemail. There was a voice mail left that was very disturbing. The voice mail stated that XXXX XXXX is a process server that has been assigned to serve me with legal documents. She stated that she will be making several attemps to serve me at my current home location or work location to get my signature. She then stated that if she can not gain my signature within those attempts, she will document this as a direct refusal to sign and proceed the process without me. She then listed a contact number and reference number to call if I needed to re schedule my serving. No other information was left on which company she represents or what the serving was about or who sent it. The call number she listed is XXXX with reference number XXXX. 
I could not contact her back as she called from a unknown number that was listed as UNKNOWN on my caller ID. 
On XX/XX/XXXX at XXXX. I received a call from a Philadelphia Number XXXX. I answered the call then. It was her again. She stated that she was coming to serve me with legal documents at my home or job between the hours of XXXX and XXXX. I asked her who was she representing, she did not give me a company name. She stated that she is a independent contract server. I then asked her who the legal documents were from. She stated that she does not know as they are sealed with no company name. I then asked her where she was located. She took a few seconds to respond and then stated that she is located in XXXX XXXX South Carolina. i then asked her what address was she coming to serve me at. She started to laugh and then hung up on me. 
I then went back through my voicemails and re played her message and wrote down call number and the reference number. I then called the number but was transferred to a voice mail. I left a message stating that I needed information on why I was receiving threatening phone calls from a process server. No one called back. I then called the number back at XXXX ( XXXX ) and a lady answered the phone. She stated that I am being contacted due to a debt with XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. She stated that there was a account opened up in XX/XX/XXXX and was closed on XX/XX/XXXX with an overdrawn amount of {$350.00}. The balance now is {$550.00} but we can settle the debt now with the original amount of {$350.00} or I can dispute the debt. I stated that I will have to dispute the debt as I never had a XXXX XXXX XXXX account in XX/XX/XXXXor XX/XX/XXXX or anytime. Once I stated that I want to dispute the debt, the lady stated that she will notate the file and proceed with the legal action and hung up on me. So I called the number back. I was transferred to a voicemail again. So I called back again and this time a guy answered the call. I asked him what company does he represent, he stated that the company is Alternative Dispute Resolution in XXXX Texas. I then told him that I was wanting that information because I am going to have to dispute the debt and he laughs and hangs up on me to.
I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time  my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
my loan was serviced through green tree servicing. and while in chapter XXXX bankruptcy I recieved numerous calls when I fell behind with my mortgage. Always made the payment but however, when I tried to explain to the servicer that as money was tight and the pay days fell different that I need more time. I recieved phone calls till late up into the night. even so to tell me that i was already in bankruptcy i might as well go ahead and give the property back or they were gon na forclose on me. as the continued daily the stress of the horrible phone calls influnced me to give the property back to them and add it to my bankruptcy. As I am hurt that i had toogive my home up I was pressured to do so
I HAVE ASKED TO PLEASE UPDATE MY CURRENT CONTACT PHONE NUMBER WHICH IS ONLY (  XXXX  )  XXXX . Please delete past phone numbers (  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 , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (  XXXX  )   XXXX  .
This collection agency was able to receive a judgment against me without giving me the opportunity to respond or dispute my case, they also denied my request after several attempts requesting to see a signed agreement or contract.
I am a XXXX year old grandma. In XXXX I was accepted for a XXXX loan which they said I could pay back in 2 years. My husband is XXXX with no medical insurance. I needed to get him some help. We are already XXXX in debt to medical with one income. I was desperate for my husband to at least get some medicine and he is also XXXX. I was led to believe that I would pay XXXX a month for 2 years. That was a lot but I could scrape it up because my I needed this loan for my husband. Come to find out it was XXXX a month which meant after 2 years on a XXXX loan I would pay back XXXX plus back. I could not do this. That is 220 percent and the loan did not say oay day loan because I would of know not to do this. I have no where to turn. Everyone I talked to asked if this percentage is legal. I did not know but we can not pay this back at this obscene rate. It is called Q credit and is funded by Rosebud XXXX XXXX XXXX. I guess this is all my fault but I never dreamed this loan would of caused me so much XXXX. On top of the critical condition of my husband and finances I am at a loss. I guess I am just an ignorant old lady. The offere came in the mail and I was desperate. I was told to call the Attorney Generals office and then Channel XXXX where they help people like me. I hope this company does not hurt anyone else. I made them stop charging my account at least as far as I know. I am really scared. I do not know what to do or where to go. I took the loan out for XXXX and paid XXXX. Now my balance is XXXX. When I talked to them about it they said " Well sure that is the interest ''. I told them I could not do this. They will be contacting me soon and I do not know what to do. My name is XXXX XXXX. I live in XXXX Arizona. My email is XXXXXXXXXXXX and my number is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX for assisted living. I just needed someone to know so that no one else gets hurt by this company. I heard that XXXX on your side could maybe help to. Thank you for your time. XXXX XXXX
I received documents from debt collector named ERC. My original utility service was with XXXX XXXX. I sent the full payment wanting to resolve the full debt. Once I made the full payment and settled the debt I asked them to remove the negative remark off my credit report. The collection remark is still on file in my credit report and it is critically affecting my score. 

Last Reported : XX/XX/XXXX Collecting Agency : ERC Original Creditor : XXXX XXXX Status : Closed Opening date : XX/XX/XXXX Remarks : Paid Collection
I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my Transunion and XXXX credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling Transunion on at least 3 occasions, the issue is still unresolved. I've also called XXXX on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
I have asked Medical Data Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Allied Interstate has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.
Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal?
On XX/XX/XXXX a credit inquiry for CAPITAL ONE was placed within my XXXX, XXXX, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called Capital One multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from Capital One. The inquiry was removed from XXXX and XXXX, but XXXX still won't budge. 

Now, the Capital One inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX  and XXXX ( XX/XX/XXXX ) - all from Capital One. 

I have NEVER held nor applied for an account with Capital One.
I received a harassing phone call from XXXX XXXX  for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told XXXX several times that I was in the do not call list and that I do not owe any company debt.
Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.
In XX/XX/XXXX and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
i am getting calls at work, cell, home, and they are also calling my wife, brother, mom, dad multiple times a day.
I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.