WillisBack/dataset-financial-user-claim huggingface dataset:
I'm trying to get my credit score up and TransUnion is making it very difficult. Account number XXXX, for XXXX XXXX XXXX XXXX XXXX have been paid off in full. The property attached with that account is XXXX XXXX XXXX XXXX TN XXXX. 

I have a new address and a new account number. If only TransUnion would actually investigate this matter, they see the change. In XXXX I pulled my bankruptcy records to learn that someone created a EIN number on me, used my personal information as though I have a business. The case number is XXXX. I'm not sure what the name of the company was. 

Also in XXXX I went to XXXX XXXX XXXX to open an account. I was asked if I ever had a business. To learn another EIN was created using my personal information. My name was used as XXXX XXXX and my late father name was used as XXXX XXXX The number was created in XXXX. 

I've reported this information to the courts, IRS, banks and FTC. I'm working close with IRS. The courts told me the case needs to be reopened. I mailed you a copy on my new utility bill, including my new address. 

You have medical bills on my report that don't belong to me. 
XXXX.
Dear Experian,  Enclosed are report Number  of some  XXXX  reports. Each report has come to me with different information on them, not much being the same. I need for you to send me  XXXX  report with all the information it.   These reports have to be made whole concerning the information it contain. Each person in the  XXXX  should only have  XXXX   XXXX   XXXX . And it should detail the same information do n't who request a copy.   Report Numbers :  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX  I have been at this for the pass  XXXX  (  XXXX   )  months requesting Experian to correct the problem. Nothing has been done to correct it.   I have sent in copies of my ID 's, utilities bills, still you continue to disseminate to those requesting credit reports, incorrect information.   Enclosed are original   Reports, highlighted to show sensitive areas.
Thank you,
I have been receiving bills from both the Army and Airforce Exchange and XXXX XXXX XXXX regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
Someone changed my address toXXXX XXXX XXXX PR without my authorization. That is not my corrrect address.I suspect a fraud with this change. Please take notice of this request as soon as possible. I 'm. very worried about a possible fraud. Thank you.
In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX / XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with TransUnion. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
All of XX/XX/2018 I had not received a statement from XXXX XXXX XXXX XXXX regarding payment. I contacted the Management team informing them of the issue. They updated my contact information, removed the late charge from the account but would not remove the late with the credit bureau.
XXXX XXXX XXXX XXXX XXXX. 
Contacted me XXXX/XXXX/XXXX from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by wells fargo, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.
XXXX, XXXX, and Equifax has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax, XXXX to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my Equifax credit report due to Civil Case No. XXXX, XXXX v. Equifax Information Service , LLC, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX amount owed : XXXX On XXXX XXXX, 2017, I called the above mentioned company in regards to a collection account being reported to the credit agencies. When I called, I got an initial representative by the name of XXXX who requested my full name, social security and my DOB. Iinformed her that I was unsure what the debt was for and that I was extremely leery about providing personal and protected information. This representative told me that if I verified my DOB and last 4 numbers of my soicial security number, she would be able to give me detailed information on the account. I provided her with my DOB and the last 4 digits of my social security number. When I then asked who the original creditor was, she refused to give me the information. She stated that she would need my full mailing address and my full social security number. I then informed her that i would not provide additional information and that per her previous statement, I needed her to tell me who the creditor was. She refused. I then requested to speak to a supervisor. She then transferred to XXXX XXXX, who hung up on me after being on hold for 5 minutes. I called back and requested to talk to him directly. When he got on the phone, explained that i obtained the information from the credit agency and that according to what is being reported this account does not belong to me. He explained that I needed to verify my identity by providing all of my personal information. I then explained to him what XXXX had explained to me, that I had provided information and that she then refused to give me details on the account unless I disclosed more information. XXXX XXXX then said that he was like my banking institution and just like I provide them all of my personal protected information I needed to provide it to him. I told him that he was not my banking institution and that when I call the bank, they only ask for XXXX identifiers. He then said that unless I verified all the information he would not assist me and that when he calls his bank he provides them his name, SSN, DOB, address, phone number. I told him that he was not my banking institution, that I was being reported to the credit agencies erroneously and that he needed to provide me with information about the account before I gave him additional information. He said that he did n't care that he was not the bank and he was not helping and hung up the call. I then attempted to call back and I was transferred again and XXXX XXXX hung up on me again. I then called back and informed the receptionist to informed XXXX XXXX that I would be reporting him to the FTC Consumer Financial Protection Bureau and the the state Attorney General office.
I contacted Experian as they erroneously reported a Chapter  XXXX  Bankruptcy on my credit report. I have tried to have this erroneous information removed for well over 3 years. I have called, emailed, uploaded documents to their website, and sent them numerous certified letters to no avail.
Account with Skopos Financial was closed as of XX/XX/XXXX. Loan was never late or reported late until loan was paid in full. Received 30/60/90 late to all 3 credit bureaus as of XX/XX/XXXX. Spoke with several employees, who were unwilling to help or care. Submitted a complaint with the BBB then finally Skopos contacted me and resolved the issue with all 3 credit bureaus. Well as of XX/XX/XXXX, the same 30/60/90 late are reported again. Once again contacted Skopos ... XXXX who stated she could not give me her last name or her supervisor said they had not reported anything. They have, to XXXX and XXXX. Please will someone look into this company as a whole, not just for me but for other consumers. Read some of the horror stories. They are the worst financial institution I 've ever had to deal with.
on XX/XX/XXXX while shopping for airline ticket Delta lured me to apply for DELTA Gold Skymiles American Express card by offering free 1st bag checking plus {$150.00} statement credit if I apply for the card buy the ticket using the card. I applied for the card but when I continued the check out process I was surprised that there was no option to use the card that I had just applied for. Instead I had to complete the purchase using other credit cards. Instead of completing the checkout I contacted American Express and explained the situation and asked if I get the benefits if I buy the ticked using other card if I get approved for the DELTA Gold card advertised and was told that to get the benefits I have to be approved first and actually receive the card in the mail to use it. So I decided to wait. However, this was my second surprise because it took only seconds in the past to be approved for American Express Gold, for XXXX and other cards that offer their applications online with immediate use after the approval. While representative from Amex told me that their approval may take 3 to 4 business days.
So I took the chance of tickets not being available at a later date and decided to wait for a new card. When online status showed " In Progress '' a week later I called American Express again and was transferred to their new application division. They told me that because of the technical glitch it will take another 48 hours. This was on Friday,XX/XX/XXXX. And the promise was given to me by the floor manager XXXX XXXX When I called back following Tuesday,XX/XX/XXXXXXXX XXXX said that they still have a technical issue and many applications for DELTA Gold are being held and promised final decision in another 18 hours or by XXXX XXXX  Wednesday, On Wednesday the status online was still " In Progress '' and when I called XXXX XXXX was not available. As of today,XX/XX/XXXXthe status still shows " In Progress ''. I find it hard to believe that it takes such a long time for American Express to approve or disapprove an application while other companies are doing this in seconds. I find it even harder to believe that American Express will take more than 2 weeks to fix a technical glitch if it is a technical glitch.
Last week I applied for a used car loan at my financial institution, USAA. I asked for a loan up to {$15000.00} but also told the loan processer at USAA that I hoped I would need a loan for less than $ 15K after we finished negotiations on the car. I was quoted a rate of 2.75 % for this loan. 
After concluding negotiations with the owner of the vehicle for the sale at {$13000.00}, I gave the owner my personal check for {$1000.00}, so the remainder needed for a loan was {$12000.00}. I called USAA to execute the loan, but was told that for any amount less than $ 15K, the interest rate would be higher than 2.75 %. Because of the higher rate, I complained and spoke to several different people in USAA 's loan department, resulting in rates quoted from 4.75 % down to 3.2439 %. They still refused to give me the rate originally quoted of 2.75 %, even though I have a screen printed from their website showing the 2.75 % rate for my loan. They claimed that if I would take the $ 15K ( or higher amount ) loan, I could still get the 2.75 % rate, but for any lesser amount, the rate would be higher. This makes no sense at all, since their risk for a smaller loan amount is less than with the larger loan amount. 

This is nothing more than a classic " bait-and-switch '' tactic. If this was a disreputable loan shark, I might understand their tactic, but for USAA, I did n't expect such dishonorable and dishonest behavior. They should be prosecuted for their " bait-and-switch '' tactic to the fullest extent of the law.
Equifax is reporting I have two open mortgage accounts which is incorrect. I have one open mortgage account and one closed with a XXXX balance as it was transferred TO A NEW LENDER. I HAVE NOTIFIED EQUIFAX of this numerous times and they are still reflecting the one account that should be closed with a XXXX balance as opened with a balance. I have reported this incorrect information and the other two credit bureaus have the correct information reflecting but Equifax is still not reporting my information correctly. the XXXX lending account should be closed with a XXXX  balance and they are reflecting it as opened with a balance.
I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation- I do not agree with any late fees but paid account off as conns said they would be removed
I applied for a Southwest Airlines Rapid Rewards Credit Card a few months ago. I was approved and granted a {$4000.00} credit limit. There was a yearly fee attached to this card. Supposedly the fee was due on XXXX of 2015 but I kept getting an email saying the fee was due XXXX XXXX, 2015 of which I was going to pay. However, customer service is implying that I knew my yearly fee was due before XXXX XXXX, 2015. I kept getting an email saying XXXX XXXX, 2015 so I dont know what the problem is but I do n't appreciate being treated that way as if I am so type of liar and on top of that they Closed my credit card account for not paying the yearly fee. I think that is unfair and I was n't even given an opportunity to pay when I called in on XXXX XXXX or XXXX XXXX. But when I called in to make a payment I was told my account was closed the same day. I tried to make payment online but I could n't log in. I believe someone other than myself have created an account with my card information. My information was involved in a breach recently too so i do n't what the problem is. I just want to be heard, treated fairly, and have my card re-opened and of course pay the fee. I was not heard and I was mistreated by customer service. I feel like I was mistreated based off my nationality. Its not right and I pray to XXXX that I get a fair fight.
I have repeatedly requested verification and validation of this account with noresponse from the data furnisher. i have also sent in notices and a copy of my FTC identity theft report to advise them that this is a fraudulent account yet they are still reporting it to the credit bureaus.
I have {$5900.00} on my credit report from SENEX I have '' NO CONTRACTS '' with this organization. I have contacted the 3 credit bureaus in the past as well as this SENEX place. This information has been affecting my credit report as half my total current credit. I am XXXX and on a fixed income so I don't know what to do.
In XX/XX/XXXX and XX/XX/XXXX my credit card payment was due but I was not home ( XXXX ). Coincidentally, a friend that I was visiting was mailing in their Capital One payment at the time I was there so I thought it would be wise to place my payment in their envelope as I did n't have my bill there with me. Logging in to the site in XXXX was different so I was unable to access online while there. For whatever reason the payments did not post to my account. I thought I had taken care of this months ago but as I sit here today my credit reports still reflect XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. Previously a representative had agreed to send a request to remove. There was no way for me to know that Capital One payments may be processed by a Lockbox or machine. I assumed someone would physically look at the check and apply it to the correct account number. The amounts due were so small it did n't seem like it could be so detrimental as it has become. I will never mail my payment in again that way. I have been trying to get this resolved but I am getting the inadvertent run around. One person agrees to remove and then the next person decides not to. Although this is a complaint I am not here to bash Capital One. In my opinion Capital One is the most customer friendly bank there is, XXXX to none. Usually, I would even say the majority of the time the Customer Service is top notch. I am actually considering using the Capital One vehicle financing program and would consider and refer it to friends and family depending on how that goes. I am a good customer and I even follow Capital One on XXXX. However, getting someone to listen, understand, and act on my account error has been almost impossible. Today, XX/XX/XXXX I was told by a Capital One representative by the name of XXXX at about XXXX PM that the FCRA states that they can not change the information even if due to a processing error. I have read through the FCRA and I did not read that anywhere. The account is closed and paid in full but this mistake in which I had every intention to not happen happened and I am being penalized exponentially because of this. I requested statement copies last weekend of my XX/XX/XXXX and XX/XX/XXXX statements and instead received a letter stating the information could not be furnished because the account is closed and has a zero balance along with the XX/XX/XXXX statement. A clear indication that mistakes do happen but in this situation I am the only one being severely punished. To make matters worse the letter gives 4 key points as to why credit counts which I am aware of. I am a spouse, father, son and many people are depending on me so my credit is important. How can I tell my family college financing options may be limited because of a {$25.00} payment being processed incorrectly. This is n't fair to me, this is n't fair to my children. Please understand. Please help. The account is paid in full, there is no risk anymore. Thank you.