WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get this issue resolved for months. The last dispute I sent in because I used proper English and explaining the problem in detail it was marked as using " credit repair '' and was not completed. I am not using any type of service I just want my report to show correct information. I am once again disputing these two accounts from XXXX account number XXXX {$40000.00} & XXXX account XXXX {$3200.00}. These are not my accounts and I don't know who they belong to. The other bureaus have already deleted these accounts from my credit report & this is the only credit bureau that is not removing fradugelent information from my credit report.
Midland Credit Collections,  contacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.
Debt was discharged in bankruptcy in XX/XX/XXXX. Received letter XX/XX/XXXX from 3rd party collection agency stating that I still owe original creditor. I called Bryant, Hodges & Associates, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XX/XX/XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Good morning I would like to file a formal complaint against citi bank Best Buy credit card. I had first opened this new account back in XXXX as a new customer. Upon opening this new account a received a new credit card.. I lost my credit card at the gas station which was then picked up.. not turned in and used by the individuals who picked up my card to pump gas at the gas station and make purchases without my authorization ... when I realized my card was missing I contacted citi bank reported the fraud claim and filed a police report.. the police report was filed with XXXX County police however the financial crimes unit advised me to dispute the charges with my bank due to the fact that they were minor and that ultimately they wouldnt open up an investigation unless they knew the indentity Of who stole my card ... I filed the complaint with citi bank ... citi bank never sent me any correspondence regarding this matter.. and then ultimately closed my disputed due to the fact that they didnt have enough information ... I never received any documentation in the mail to provide them the information they requested ... so in XXXX when I found out that they did not even process my dispute claim I re-opened the claim ... they advised me that they would send me the documents that I needed to provide them the additional information ... again I never received the documents ... when I checked my account again.. it shows that on XX/XX/XXXX they just decided to close my re-opened claim due to the same reason.. I would like for these fraudulent charges to be waived because I was not responsible for them.. I would also like for citi bank beat buy credit card to actually assist me with this matter and not set me up for failure by not sending no me the appropriate documents to support my claim ... this claim was handled very poorly by them and therefore I deserve to have this reviewed again and processed correctly.
I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.
On XX/XX/XXXX, my mortgage servicer, Selene Finance, placed a notice of default on my property while i was one month late on my payment ( due for XXXX ). When i called the company, they said because my current payment ( XXXX ) " technically '' is due on the first of XXXX and i had not paid that payment either, therefore, I qualified for the Notice of Default on my property. 

This is ridiculous and contrary to how they and other banks in California have handled delinquencies. Not only is this hurting my chances of refinancing my second trust deed, again after the Great Recession that i seem to be unable to recover from and now this.
Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they 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 are damaging my reputation and credit worthiness. Under the FCRA15 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. 
1. National account sys account number xxxx unverified account 2.XXXX account number XXXX Unverified account 3.XXXX Collection Agency Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over 30 days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail
I'm getting duplicate overdraft fees that feel rather predatory in their issuing. I contacted US bank to resolve it, but they wouldn't do anything.
In XXXX I had noticed that my credit report had an account that was being reported by XX/XX/XXXX that stated that I had a balance of {$280.00} that I did not recall as being mine ( see evidence attached ). I was a co-signer. I disputed the account with XXXX, XXXX and Experian. I later received the information that the accounts had been deleated ( see evidence attached ). In XX/XX/XXXXI requested my credit report again and the account remains on my report but it is only being reported by Experian. This car per the owner of the account has informed that was paid off in XX/XX/XXXX. I contacted the bank and disputed the account again with Experian but the account now appears as if it is being paid but the balance of {$210.00} does not change. Please see evidence attached. I do not feel that my credit report should continue to show this account as delinquent since the car loan has been paid off since XX/XX/XXXXand I do not recall any other debt. Please advise if this account can be removed in order for me to continue to inprove my score and manage my finances.
I went in for consultation before you can even go in side to see the DR you must pay ya co payment and the insurance pay the rest XXXX ... I have excellent credit they sent {$40.00} to collection that I do not owe at all. Collection agency _ C/O MEDRECOVERY SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX TX XXXX Provider XXXX XXXX Patient # XXXX TICKET # XXXX DATE OF SERVICE on statement XX/XX/17
I have tried to refinance with this particular bank XXXX XXXX XXXX XXXX located in Pennsylvania presently owned by PNC Bank, the first time they told me that they were going to process my request and send me a pkg with all the papers to apply for refinance my loan and after a while they send a letter that they denied my application because they do n't do refinance waste my time and effort, Second we apply again and they told that I was going to get consider to get a refinance or modification to my loan to reduce my payments and go to from variable rate to fixed rate on top of all this my primary bank XXXX XXXX wanted to take over and combine both loans into one which was great and the XXXX decide to block and not to released my Leon on my house after I tried to talk to them for several months and my XXXX received a letter saying they were not going to release my Leon on my house with no reason and my family and I had the opportunity to solved this situation over two years ago and we find out that it was unfair from this bank XXXX or PNC bank to abuse authority to block my high potential getting a consolidation loan thru XXXX XXXX that was willing to do it for us, I have evidence that XXXX can back me up that I should got my Lein on my released by them and case could be solved two years and presently my house uts in jeopardy and their lawyer send me a letter that my house loan to be paid in full or conditions can be arranged to paid over {$10000.00} dollars so we do n't have that much money to avoid to go to court and we can loose our property we need help from this agency and that 's why we putting a complaint against this bank XXXX or PNC bank hopefully we heard something soon, much appreciated from my family and I Sincerely XXXX and XXXX XXXX
HSBC bank has not credited our account for {$750.00} per their offer which is long overdue now. We opened our premier account with HSBC Bank with {$100000.00} and had Direct deposit of more than XXXX SS checks in our account as required by the HSBC Bank to qualify for a credit of {$750.00}. They are giving us run around and wasting our time and efforts without any action. They keep on avoiding to honor their commitment for which we have documentation. Please help us out, collect {$750.00} as per original agreement.
The original debt collector XXXX XXXX 's Was notified that my Medical Insurance coverage for both XXXX XXXX and Social Security XXXX Insurence Coverage through State Medical the info was provided before the Account was Closed with XXXX, I very recently in XX/XX/XXXX received a Debt collector Call phone call harassing me for $ 500+ I told them the debt was satisfied through XXXX and followed in XX/XX/XXXX I updated XXXX my SSI benefits Medical State Insurance to XXXX   , In XX/XX/2018 I than contacted XXXX I spoke again to XXXX who took my insurance Medical Information for my Son who is a minor whom received XXXX XXXX XXXX XXXX which was covered by the State Social Security Administration but XXXX failed to provide documentation that their was a debt owed still or if the insurance was ever updated or billed, I debt collector was informed in XX/XX/XXXX over the phone that I dont owe a debt collector and any balance should be closed with a {$0.00} balance through XXXX . The creditors immediately reported right after I spoke to XXXX  ; XXXX, XXXX and XXXX XXXX Mail left from XXXX : XX/XX/2018 XXXX Hi uh hi XXXX this is my XXXX with you earlier I'm calling from XXXX XXXX 's XXXX  um if you could give us a return phone call um there's some information like to provide two of the number is XXXX thank you bye-bye I had earlier contact XXXX  to Verify that they updated my Insurance and they said that the Account was Closed with a {$0.00} balance.
XX/XX/XXXX- I wired {$7500.00} to my husband 's Coinbase account from our mutual bank account. 
XX/XX/XXXX- Coinbase rejects the wire. 
The money is gone from my bank account and not in my Coinbase account. 
Coinbase emails XX/XX/XXXX stating rejected wires take 2-5 business days or longer. 
After 5 business days I contact my bank to obtain the money from Coinbase. XXXX states it will take 2-10 business days to get the money back. 
XX/XX/XXXX XXXX states Coinbase has not responded to the wire recall request. 
All email attempts are met with a response from Coinbase stating they are working on it.
I have been contacted repeatedly by a debt collector under the name of Eastern Account System Of Connecticut attempting to collect a {$79.00} balance on behalf of XXXX. 

Since the latter provides my cable internet service and I have been current on my payments, I checked with them regarding this attempt and they promised to escalate the matter and ensure that no adverse information regarding a collection was placed on my credit history. 

That was several days ago and nothing has changed. 

I have attached a copy of the notice from Eastern Account Systems dated XXXX XXXX. 

I have also attached the latest service bill from XXXX showing my account to be current at the same time period and the only amounts owed being the current monthly balance that was due on XXXX XXXX.
In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to Real Time Resolutions. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. Realtime Resolutions responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, W2 and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX and was advised to reach out to all three ( 3 ) credit bureaus XXXX, Equifax and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX  through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.
I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!
Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.
there was a debt placed on my credit report that they are unable to show I actually owe I requested documents that I had signed to receive service and equipment. I had spoke with a rep from the collection agency that refused to give me info on the company desiring collection and could not provide any documentation of debt owed. 
I contacted XXXX and spoke to XXXX who then transferred my to XXXX id # XXXX on XX/XX/2017 at XXXX hrs that refused to provide documentation of the debt she then transferred me to rep XXXX # XXXX at XXXX hrs. this rep attempted to find documentation of services but was unable. she stated that she would send it to investigation on their end. I then repeated that I need documents that show my signature that I received equipment and or services.
I have been working with  SPS fo r a loan modification. They placed a sale date on my account while in review which i thought was a violation of the  Homeonwer Bill of  Rights. Anyway, what they did is request a Verification  of Employment f or  XXXX   (  my husband  )  o n  XX/XX/XXXX    , 28 days prior to the sale date. He requested it the very same day but unfortunately because we work for the school district and it is summer time, no one is readily available to supply such a document immediately. They requested that we contact the  School Board  if it was an emergency in which we did but they advised it would take 7 days. We advised  SPS  of this but they were not willing to work with us. we are now going to lose our home for something we can not control. We have provided them with every single piece of information that they have asked us of to this day. Now they said unforunatley there is nothing they can do after begging that they allow us more time. By the way we did receive the  VOE and w e supplied it the day we received it but now they are telling us it is too late. I just cant believe this. Please help us save our home!!!! I beg!!
I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt.
Commerce Bank of XXXX XXXX sent to me, a replacement for my Visa Card which included a chip. It also included a debit feature which I did not request. I have used this card many times and sometimes, even though I specifically instruct the vendor to run it solely as a credit purchase, Commerce Bank treats it as a debit purchase which they deduct from my checking account without my knowledge or consent. Each vendor informs me that the vendor can not run it as a debit transaction without a pin number, which I don't have or use, therefore the vendor assumes it to be a credit purchase. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX, credit transactions were processed by Commerce as debit transactions without my knowledge or consent. After reviewing my statements and discovering these inappropriate transactions, I have contacted Commerce customer service and again, about XX/XX/XXXX, I appeared at the local branch to, again, inquire about these transactions. Each time the customer representative says that they have put in a request to remove the debit feature and each time it doesn't happen. I also sent to them, an email on their customer service page and got no response. I specifically told them that if they did not remove the debit feature, I would file a complaint, again, no response. Please process. 
On another issue, sometime last year, I visited my local branch and told the representative I was contemplating obtaining a credit card from another vendor because I wasn't getting any benefits like points. The representative informed me that I should have been getting points and when I told her I wasn't, she looked into it and now I'm getting them. Points awards should have been awarded retroactively to the time where points began to be awarded, I shouldn't have to inquire about benefits like points. Please process. DR
On XX/XX/2018, I relieved a letter from XXXX XXXX XXXX XXXX ( sent from XXXX XXXX XXXX XXXX, MA XXXX ). This letter was addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I am XXXX XXXX   XXXX  at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX. The letter stated that XXXX XXXX XXXX owes {$780.00} to XXXX XXXX   ( no further information given ). I have never held an account of any type with XXXX XXXX and no such debt is reported on my credit report. The letter states that the debt can be settled for 50 % of its total value at {$390.00}. The letter states that it's required to say : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' The letter directs you to their call center : XXXX  or to their " self-service '' website at XXXX. At the self-service website, payment options include check, credit/debit card, and payment plans. I did not enter any requested info into the website above as I suspect it may be a phishing scam on top fraudulent debt claims.
On  XXXX   XXXX   2017 , I mailed a certified dispute letter to Experian asking for verification of the accounts stating I owe on my credit report. I have not received any information as of Today  XXXX   XXXX  on the status of the reinvestigation. These reports are negatively effecting my account and it 's my right to request the credit bureaus submit verification of a debt said owed. If the credit bureaus can not verify a debt it is to be removed from the credit file.