WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax ignored all of my questions in my latest complaint. Equifax states they verify that XXXX XXXX, and XXXX XXXX accounts are accurate and mine yet never provide any proof of investigation to me. Equifax has an address listed that is incorrect that they never removed thats fraudulent. Equifax did not complete an investigation and has continued to lie. Equifax also stated they verified XXXX yet I received a letter from the company XXXX telling me they would remove the account from my credit as they verified it was fraud. Yet equifax again said they verified this account as accurate. They do not investigate and the identity theft occurred after the equifax data breach. Additionally equifax is lying and not providing proof of investigations. Equifax ignores my questions and does not provide resolution. Equifax is also allowing creditors to access my reports illegally without my permission. Nor written consent. Equifax is causing damages to me from actually placing fraud on my reports. These accounts have already been verified as FRAUDULENT. From XXXX  and XXXX. Yet equifax states they verified these as accurate. Yet they deleted only one XXXX XXXX account, yet not the other two. Which again proves equifax doesnt care to resolve fraud. They continually lie. They must be doing this to other consumers too as I will continue to write complaints until Equifax quits lying and stops causing personal damages by placing fraudulent accounts on my reports. Additionally XXXX XXXX stayed Equifax wasnt supposed to put these accounts on my reports they are inaccurately reporting the amounts as well. All around Equifax is committing fraud.
On XX/XX/2018 I called m credit card company to complain about 2 {$8.00} charges that appeared on my account that had not been authorized by me. On XX/XX/2018 my credit card responded acknowledging the error and crediting my account for the charges. Everything seems to have been worked out except that on XX/XX/2018, when my payment was due I did not make a payment because # 1 the balance was {$8.00} which was the disputed amount, # 2 the account had been credited for the disputed amounts ( total {$17.00} ) and # 3 there were no other charges on the account during that billing cycle. The credit card company has charged me a late payment fee equal to the balance shown in the statement ( {$8.00} ) event though the charges were reversed and their own policy states that disputed amounts are not subject to interest or penalties if it is determined that the disputed amount was in error. I contacted the credit card company and even though they claim that are going to credit my account for the late fee my account still is marked as being delinquent when there is no balance due.
Hi, my name is XXXX XXXX ( XXXXXXXXXXXX ) This is the problem I have : On or about XX/XX/XXXX by XXXX XXXX XXXX a collection is reported on behalf Public storage ( XXXX XXXX, XXXX ). I disputed this as it is incorrect! I contacted XXXX XXXX XXXX and they filed to remove this on or about XXXX before. As of to day I do not have XXXX XXXX XXXX is not on my record, " ONLY!!! '' my score have not re stated the XXXX points! It was before XXXX ( XX/XX/XXXX after the XXXX XXXX XXXX collection report information was lowered to XXXX ( XX/XX/XXXX ) I Know that XXXX have a math to calculate the Credit Score, my problem is if my score changed do to! that negative input, why the same " math '' ( FICO score algorithm ) have not re calculated it? as now I do not have the " wrong '' input!? 
Can I have my missing score reinstated please. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTEL : XXXX XXXX
This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached.
I purchased Groceries on a Target Red card in exchange for 5 % off in XXXX 2016 I received no bills from Target or reminders regarding payment-XX/XX/XXXX to XXXX as far as I can tell XXXX XXXX 2016 They started charging me late fees Original purchase was {$50.00} End of XXXX with late fees this was XXXX I got a letter by mail saying I was 56 days late with a Large late fee and Interest on a & lt ; {$50.00} purchase and they would not reverse it and reported it to credit bureau
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I keep getting billed for hospital bills that belongs to my grandson I was not responsible for his bills and according to the dates he was an adult at the time please have these removed from my credit report they are not my bills and I am not responsible for them. thank you XXXX XXXX XXXX
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, Experian, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
my XXXX $ loan has turned in to {$12000.00} payment that they are demanding in full I am also have XXXX federal charges the they are prosecuting against me XXXX federal banking violation regulation violations XXXX wire fraud and XXXX another XXXX I do n't rememberthis all is because when they went to electronically deduct it from my checking account it was declined because apparently the type of checking account I have does not allow companies to do electronic withdraws and i was n't aware of. So there is where all of the banking violation charges witch turn in to wire fraud etc.
I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.
Experian continues to report these XXXX XXXX XXXX accounts incorrectly, despite numerous disputes. Experian claims to not have my documentation, which is a lie, because I have sent this documentation to them multiple times via certified usps mail, with a receipt showing delivery. Experian is claiming they will not reinvestigate without documentation, but refuses to acknowledge that I have repeatedly sent them the correct documents to support my dispute. Experian has locked me out of my online report, as well as the ability to upload documents online- claiming they can not give me a reason why but everything must be mailed. They will only receive written communication from me at this point, and are refusing to correctly process my dispute with what I have been sending them. 

These XXXX XXXX XXXX accounts began reporting on my file as XXXX XXXX. These XXXX accounts were transferred within XXXX XXXX to another department and re-reported as XXXX XXXX. They were transferred with a positive status. These XXXX loans were then forgiven and discharged. They should be reporting as " paid in full, and closed '' with a positive status. I have been in contact with XXXX XXXX several times regarding this, and they claim they are not the ones reporting the incorrect information to Experian. 
Considering XXXX is reporting these XXXX loans correctly, I tend to believe what XXXX XXXX is claiming is true. Especially considering Experian has admitted to me that they sometimes receive reported information from a XXXX party vendor, and it may not always be accurate. XXXX XXXX was more than happy to provide documentation to me to share with Experian, and has told me they continue to report the account correctly to all bureaus. 

Dispute with documentation was sent to Experian yet again on XXXX/XXXX/2015, which they deny ever receiving. I have attached all pertinent documents.
I received a check from my insurance company to repair the storm damage from hurricane Michael. I received the check in XXXX I had already started the repairs and cleanup. I have paid out of my pocket knowing the check was coming. After sending the check to the loss department 3 times for various reasons to get it endorsed. They send me a list of paperwork that I had to get all contractors to fill out including XXXX who was one of my contractors to replace the roof. The contractors thought I was nuts said they had never had to do any of this and would have to run it thru their legal department. Well all this time it just keeps adding hardship to me. Now all the repairs except the roof have been completed the roof within the next week or two. I sent contracts for the repairs such as the roof I have called various people in the " loss '' department trying to explain the situation which they do not care they will not release any of the funds. I have talked to the supervisor with no results. They are costing me money by holding onto my insurance funds. I have created debts that I have to pay interest on for the repairs and contracts for the repairs to my home. The last time I called they said they have decided that they were not going to allow homeowners to do any of the repairs. I do not understand how they have the right to tell me what or how the repairs get done, they are welcome to inspect to see that the repairs are complete. This is just another hardship on my family. I have paid day labor for people to help with the cleanup and debris removal other repairs waiting to be completed can not be completed until they release the money. I have never missed a payment. but with all the money I am having to spend for repairs I may have to.
There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them.
Unable to dispute and remove my " consumer statement '' via Transunion website. Website keeps bringing my to my last dispute results.
I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   XXXX  known today as "  XXXX  ''  XXXX  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my   XXXX    credit report in the "  Closed  Accounts '' section until it was removed from my  XXXX  credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with   XXXX    along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately,  XXXX  did not accept this evidence so as to remove this account from my credit history. I called again to  XXXX  and they asked me for another kind of letter  XXXX   Credit Correction Letter   XXXX . Then I called again to  XXXX  and they informed me that they " will '' send a  Credit Correction Letter . Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .
I called three time during the month of XXXX which is recorded by Ditech mortgage company to move money from unused funds over to the actual mortgage payment. After the first call the problem seemed resolved online only to find two days later the solution was reversed online. 

Secondly, i submitted payment online on time for. XX/XX/XXXX payment which was stated as received. I then get a letter from Ditech on XX/XX/XXXX saying that the payment was returned for some reason they did not disclose. The letter stated that if I paid as soon as I got the letter that there would be no late fees. Now there is a late fee on my account dated XX/XX/XXXX online in the amount of {$560.00}. This is a serious issue because of the time of the initial payment I have {$5000.00} in my account ; the only account I have used to pay my mortgage. 

His has happened in the past and was hard to prove that they move money around to create a late payment of {$560.00} when in fact the payment is not late.
Barclay XXXX XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
I had filed a dispute over @ charge someone else had made on my card. after filing the dispute the person pay me back so I did not follow through with it. about 10 days later the dispute wasn't denied which was fine. but then they closed my account and locked it this is on XX/XX/XXXX. I called and was told that I check will be cut the next day for the balance remaining in my account. I have called nearly every day since then and told told something different every day and I would like to know when I will get my money.
There was XXXX unauthorized transactions on my American Express for XXXX card over the course of 3 days. I was given a temporary refund and then it was taken back out of my account because according to American Express the transactions were authorized and I needed to contact the merchant. I called to get information about contacting the merchant and was told that they would email the information to me. However when they did email it I could n't access it because the link expired in 24 hours. I called over 5 times to request that information again and speak to a manager. I was told that I would get a call back and the information resent each time and I never received the information or never ever received a call back. American Express then discontinued the American Express for XXXX card and I 've been trying to contact American Express since XX/XX/XXXX when the card was discontinued. The American Express for XXXX card phone number is discontinued and I 'm not able to get any information. This has been going on since XX/XX/2015.
Equifax reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX
I was in school at XXXX University at XXXX during the XX/XX/2015. Despite being in school, Navient has reported my account to the credit bureau as late. They have received proof from the University to show my half-time enrollment. My loan was supposed to be in forbearance
I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
I am on XXXX  XXXX i have been working with companies received XXXX and XXXX  XXXX suspension in XX/XX/2016 and was told all taken care of my loan discharged I havent heard from no one Receiving letters from XXXX XXXX now Navient Post Claims Assistant I am on XXXX due to stress why isnt this havent been take care of I have been on top of everything Im currently working with Student Advocates submitted all my paperwork and another total temporary discharge form. 

Now after interests loan is XXXX im sitting on debt on XXXX income for 10 years now My number is XXXX. XXXX XXXX XXXX. XXXX XXXX  Maiden Name
Case # XXXX I received a response from the company stating that my payment was returned to my bank and the dispute was closed. They did not provide any documentation to show this and my bank has no record of the return. I had my bank on the phone to call them and received no answers other than they were going to reopen the dispute and would let me know. We are now over 2 1/2 months waiting for XXXX XXXX to locate my large payment and it seems we are back to square one. This companys practices need to be examined because they seem very confused and disorganized. They dont appear to be a company who should be handling peoples money.
The collection agency named ACT Account Control Technology intercepted my entire tax return without proper notice of their attempt to collect any debt. They were collecting for a student loan and sent the letter of intercept to my old address intentionally to make it look as if I was ignoring their request. The party they were collecting for had my new address since XXXX XXXX, I was receiving mail from the original party regularly. However ACT maliciously sent the intercept notice to my prior address on XXXX XXXX, XXXX which I still have never received or seen. I moved from my previous address XXXX XXXX, XXXX. If this company was collecting for a Federal Student Loan and sent a notice to intercept on XXXX XXXX, XXXX to a place I no longer resided and have n't resided for over 3 months at time of alleged mailing. Why and how did the original party have my current new address and the collection agency did not? Do they not communicate with each other? The company ACT Account Control Technology is a very crooked company and will fabricate and or deceive by any means necessary to take peoples money without proper notification and or mailing. I also told them via telephone that I disagreed with their approach and or action to collect and requested appeal information and or documents. I was told the company ACT Account Control Technology would email me the needed documents that same day and I never received anything via email on any day pertaining to my request. This company stole almost {$2500.00} from me and my daughter, yes I am a single parent and yes {$1500.00} of the money they stole was supposed to go toward my daughters dental work that we had to cancel because these crooks deceived the Internal Revenue Service making them believe I was ignoring their attempts to collect when in reality I have never even seen one of their letters or notices to collect ... even to this day I still have never seen this notice that was supposedly mailed to the wrong address.
A few months ago I discovered an unauthorized charge on my credit card statement for {$240.00}. I contacted the merchant regarding that charge, but unfortunately they ca n't explain or provide any explanation about it. I never gave authorization for this charge. So I went ahead and opened a dispute with my bank. Merchant sent to the bank fake receipts. Prices are higher than we agreed, and other services that I did not authorize. I wrote a letter to the bank with my explain the situation. Nevertheless, the bank charge me whole sum and advised me to solve the problem with the merchant. What can I do if a merchant is dishonest and deliberately charge me the extra money? I 'm not authorized these services and I did not sign anything. Please refund me my money.
TRANS UNION ISSUES THAT THEY HAD IN XXXX THEY REFUSED TO REMOVE XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WAS THE ONE THAT REFUSED HE WAS IN XXXX WITH A BAD ACCENT AND VERY BAD CONNECTION
Wells Fargo Dealer Services has relentlessly reaffirmed the charged off debt of {$3000.00} on an old vehicle loan from 2011. I was under the impression that once an account has reached 7 years old, it is to come off of your credit report. They will not remove the debt from my credit report. I did not allow the account to go deliquent intentionally. I was sold a vehicle that became inoperable, and I lost my job because I could not longer get to it. I offered to allow them to take the vehicle, and they refused. I have since taken many steps to improve my life for myself and my XXXX children. This negative remark is preventing me from several opportunities to continue bettering the lives of my family. I am a single mother of XXXX young children, not that I should get special treatment for it, but I believe this remark should be removed off of my report due to the age and nature of the circumstances and these people will not have it. I would appreciate your help in this matter. 

I have also not received ANY written statements from them in 3 years, and they marked it as a charge off. They are no longer even trying to collect the debt, it appears they are simply just trying to prevent my score from improving.
I inadvertently created a Chase Bank credit card inquiry for an Amazon Card on XX/XX/2016. 
I meant to cancel the online inquiry but mistakenly submitted it. I contacted Chase Bank immediately be phone and they said it had n't been processed and they would cancel it. 
It has appeared on my XXXX score ( via XXXX ) and negatively affected my score. Additionally, the request was denied?? Can you intervene and have this removed from my XXXX scoring? Thank you..