WillisBack/dataset-financial-user-claim huggingface dataset:
Experian Report # XXXX XX/XX/18 XXXX XXXX page 7 of 18 should not be showing on my credit report and there is a letter from XXXX XXXX attached is the letter from XXXX XXXX I have not had a copy sent from XX/XX/18 as to updated creditor been deleted/removed from my credit file.
XXXX AND EQUIFAX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX  XXXX XXXX  ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY
State Collection Service, debt collection company, reported {$1600.00} owed on my credit report for  Medical expenses. Date of service XX/XX/16. Original debtor/account was XXXX XXXX XXXX Hospital . 
I received correspondence from other debt collectors on the same account by mail. I paid the full balance owed, on this account, to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. In addition, the amount differed from State Collection Service. 
I called State Collection Service to let them know I paid this debt to another debt collector but they refuse to remove this from all three credit bureaus.
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX
A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the  XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ). 
Please see all attachments. 
The small account that this same company alleges that I owe is acct # XXXX .... 

Thank you for your time in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
I found this bank online looking for banks located near a town I was moving to. 
I signed up for a Virtual Wallet account ... 
Which has turn into a performance account that has cost me money since DAY one! 
Unfortunately, due to recent moves and a lock out of my email ... 
I have had no access to this account since day one. 
I have called numerous times trying to close this acount. 
I was told I had to dive to a branch to close in person. 
I looked up the nearest branch online .. And surprise! 
It 's a garage. It was a XXXX hours drive for me. 
Sure that address is not online now? 
But I was upset because I was told that was that only way I could close my account. 
I have called many times in between, each time they tell me I have to complete something to verify the account? 
BTW I do n't have account information because I have NEVER been able to access the account from the moment I set it up. 
Noe I find out I 'm in a performance account? That I did not sign up for? 
and it 's costing me money every month? 
Who does that??? What kind of banking is this??? 
Please help??? I 'm very upset? 
They did not earn this money??????? 
I feel like I have been robbed!
I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Well when we opened the account my ex put a check in my account and since that day which was XXXX XXXX my account says that it 's going to be closed and it 's restricted now. I did n't give him permission to do anything to mine and our daughters account. So now their trying to close it.
American Education Services has been harassing me and my co-signers. They have given us misinformation, put a loan into default when there were timing payments being made and in general is grossly incompetent and predatory.
I DID NOT AUTHORIZE YOUR COMPANY TO RUN MY CREDIT ON XXXX XXXX.2017
We made extra payments on our mortgage loan to First Key, based in New Jersey ( we pre-paid for 6 months, plus paid extra principle ). We followed their instructions to make sure they were applied to future payments. Despite repeated calls ( and we have the names of people we spoke to ), and emails following their instructions over the last 6 months, we have not received a single correct and updated statement and now have received a " Delinquent Notice ''. We have proof of payments. Now they are applying " late charges '' and threatening us with a home inspection that we would have to pay for. We are being harassed at this point.
cap one and XXXX inaccurate information on my credit violation of cra and hippa
I have disputed  XXXX  on my credit report with Equifax  XXXX  and   XXXX   multiple times with no proper response or investigation or re investigation. I am asking once again to have  XXXX  removed from all  XXXX  CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown.     The loan started with  XXXX    XXXX   the day they collapsed. Then was handed off to.      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  these  XXXX  were shut down by the federal Government,   XXXX   XXXX   XXXX  , and Last  XXXX . who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting.     Please provide legal documentation or remove from my credit report.
Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home.
I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
On XX/XX/XXXX, I placed an order to install customized drapery for my home with XXXX XXXX, decorator for JCPenny. I signed the contract and the drapery was to be installed within 8 weeks. 
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about  the issue. She emailed me the next day and said the she will look into the issue. On Friday XX/XX/XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be. 
On XX/XX/XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault. 
Since they refused to help, i disputed the charge with their Credit card ( XXXX XXXX ).  Unfortunately they did not try to resolve the dispute. Instead they sent me a letter after about 2 months stating that " Special order items are charged at the time the order is placed is placed rather than when it is delivered ". They used the wrong reason to deny my claim. The actual reason for the dispute was JCpenny failed to install the right drapery. 
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator.

I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order. 
I am disputing a total charge of XXXX dollars posted on two occasions : XX/XX/XXXX and ; XX/XX/XXXX. 
I have attached supporting documents
USAA froze all of my family 's assets held at the institution, locked our debit cards, and unreasonably denied access to all funds through all methods of withdrawal. They additionally refused to honor bill payments USAA sent on my behalf via their online service despite plenty of available funds and despite the payments being initiated before the account was frozen. 

USAA informs me that they did this because there was a security concern with the account. I was told by a customer service representative that a third party, potentially inadvertently, entered my account number into USAA 's automated phone system. According to multiple customer service representatives there was no compromise of any account, no suspicious charges, and the caller was not able to successfully authenticate. 

I was initially informed of the security concern via SMS message from the bank and upon receipt I immediately called to inquire about the issue. The customer service representative walked me through changing my website credentials out of an abundance of caution and assured me that no further action was required. The next day, Tuesday the XX/XX/XXXX, my debit card transactions were being declined so I called USAA to find out why. It was n't until then that I was informed that my assets had been frozen. It would have been simple for me to make arrangements for an alternate payment method for the day if USAA had informed me the night prior about the account status. Instead, my entire family found itself in a position where we could not withdraw from an ATM, initiate an ETF, use XXXX, visit a bank branch, make a purchase with a debit card, or access any of our money held in any USAA account by any means. 

While the accounts were in this locked state, no customer service representative was able to tell me when I would be able to access my funds. They were unable to tell me what USAA 's process is for unlocking the account or what the status of any investigation might be. They also could n't provide me with an accurate estimate of when this would be resolved. USAA was, however, able inform me that there was nothing I could do about it except wait patiently. Effectively, my assets had been seized for an indeterminate amount of time and without reasonable justification. This continued for about one week from XX/XX/2017 to XX/XX/2017. 

If there was any question about the legitimacy of transactions on the accounts, it would have been trivially simple to confirm them with me over the phone during one of my many authenticated calls to the bank during this period. Instead, USAA refused to honor my website bill pay requests causing both my regularly scheduled mortgage payment and my county property tax payment to be rejected. There is nothing I could have done to prevent or mitigate the situation. 

I have asked USAA to reimburse me for a {$35.00} returned item-handling fee that has been assessed by the county in response to the returned property tax payment. USAA refused my request. 

USAA 's actions were excessive and their drastic response was not proportional to the severity of the situation. USAA 's actions resulted in direct financial damages to me.
This is a fraudulent card opened in my name. I believe it may have been opened by a family member/ex-wife to gain credit. I never authorized this account to be in my name.
Recognize a few inquiries on my XXXX Recognize a few inquiries on my XXXX Equifax and XXXX report that I have not authorized. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have been a victim of PayPal scams in the past. I was attempting to order footwear online and somehow this company use PayPal. My information was immediately added to PayPal without my authorization and Im unable to cancel my PayPal account to avoid future fraud issues. Upon attempting multiple times to cancel account it now shows that I have to upload my ID. I just want my entire PayPal account cancelled before my bank card is compromised. All of the reviews stated that this company refuse to cancel accounts and give you the run around. Customer service just hang up on you. Please help
ok I ask the inpector general for help a bout my dbt collection but they do n't help enough I have problem with XXXX XXXX bank they send me to collection to Equifax XXXX in Gorgia XXXX that happened have long time XX/XX/2006 let me know you can help me thank
PayPal Credit Account Opened in my name. I have no knowledge whatsoever of this account. 

Reported to PayPal credit by phone a few months ago. Received letter stating that based on their investigation they were unable to validate my claim of fraud. 

Completed signed Affidavit of Fraud to PayPal Credit today.
15th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
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 XXXX XXXX XXXX XXXX XXXX XXXX I advised Transunion that I did not authorize or provide the above-referenced businesses and institutions permission to inquire about my credit status, and the continued presence of such inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act ( " FCRA '' ), must be removed subsequent to their reinvestigation as set forth in Section 1681i which requires Transunion to reinvestigate each and every disputed item and to complete the reinvestigation or delete the disputed item within one month. 
Furthermore, as further required by Section 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion should provide me with, " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ]. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), I had Transunion to provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' TransUnion advised me that they would not initiate a dispute.
I am sure that I part of TransUnion 's glitch that caused information on people 's credit report to disappear and then reappear without notification. According to, FCRA, section 611 paragraph ( 5 ) sub section ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I would hope that Transunion would remove these injuries from my credit report promptly. Due to the fact that I was Notified of them being put back on my credit report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX
We filed chapter XXXX bankruptcy XX/XX/XXXX and we decided to convert to a chapter XXXX XX/XX/XXXX and we included or mortgage in the chapter XXXX and our mortgage company XXXX sold the loan to another servicer Selene finance without filing for foreclosure when we went to bankruptcy court for the chapter XXXX. Selene finance did not foreclose until 1 year later and they were supposed to foreclose when we went to court a one year ago. We have XXXX loans on our credit report and we want the loans removed and the proper foreclosure date updated on or credit report. That foreclosure date should be XX/XX/XXXX. That is the discharge date for the bankruptcy chapter XXXX.
I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!