WillisBack/dataset-financial-user-claim huggingface dataset:
Need Copy of credit report w credit score 3 months worth of income source I am a landlord, and less than 2 years ago, I successfully used Experian landlord credit report feature to see the reports of potential tenants. I tried using Experience feature about 1 months ago and the system was not allowing me to send report request to tenants. So I then opted to use XXXX for my tenant applicant and XXXX has a feature that I can view the applicants credit report. When I try using XXXX  credit report check feature with my first applicant, it happens to be with Experian Experian says I have a security freeze and that I needed to send VIA MAIL ID, Bills with address etc so that they can verify my ID, despite me having a PIN for my freeze. I sent in the required information on XX/XX/2018 via USPS. Its XX/XX/18 and I have not heard from Experian and I still cant view my tenants credit report to make an informed decision. I have no idea if I am even going to be able to view my tenant credit history forcing me to have to make a blind decision. I dont understand why I am having such a difficult time with Experian when I have used their services successfully in the past and my security freeze I place myself years ago as a protective measure. Additionally, the tenant applicant paid money for me to be able to view their credit report. Lastly, I have tried calling whatever number I can to speak with someone at Experian but I cant get past the machine operators to speak to a live person. With the amount of information and power credit agencies have, they really should make themselves available to fix issues like this. This could potentially cost me good tenants and thus money.
My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-  TransUnion and   XXXX   Additionall y ; m y report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was  XXXX . However,  XXXX  still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies, Transunion and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!
EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. Experian I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. Experian I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER ALSO YOU HAVE BLOCKED MY ABILITY TO FILE DISPUTE ON YOUR WEBSITE SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP
I contacted Equifax on XX/XX/XXXX, and asked them to investigate errors on my credit report. They are supposed to respond within 30 days, but they haven't.
While reviewing my XXXX credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
After reviewing my credit report ( see attached ), I noticed accounts on my credit report that were inserted without my knowledge. XXXX XXXX, via Transunion, placed several collection accounts on my report and never sent a dunning letter or any other notification of the alleged debt as the FDCPA mandates. 

I have never did any business with this company nor have I ever heard of them. To that end, I communicated in writing to XXXX XXXX in XXXX 2017 ( see attached ), seeking that they validate the debt they are stating I owe them ( see attached letters ). 

As of today, based on the tracking information provided, the dispute letter I sent them is being returned to me. The address Transunion provides on my credit report is where the letter was sent, yet it was undeliverable. How then is this dispute valid if the company did not collect its mail or has gone out of business? What method of verification did Transunion utilize prior to allowing this company to place these inaccurate, unverifiable items on my report? I have also submitted a letter to Transunion disputing the validity of these inaccurate, erroneous, and unverifiable accounts and I am yet to hear from them. 

I took an additional step and contacted your bureau ( the  Consumer Financial Protection Bureau ) ( see attached ), you responded that you have been unable to contact this company and alluded that this company may be non-existent. Therefore, I am making my FINAL REQUEST for Transunion to DELETE these inaccurate, unverifiable entries reflected on my report. 

These items are in direct violation of my consumer rights and should be DELETED IMMEDIATELY.
On XX/XX/XXXX, I opened a dispute with Citibank over a {$1000.00} charge by a merchant. The merchant did not provide the services paid for. I sent Citibank all the necessary evidence showing what was agreed on and paid for, and proof that such services were not received. Citibank marked the dispute resolved in merchant 's favor on XX/XX/XXXX, one day after they received the merchant 's response without proof of rebuttal, stating that the reason was a lack of credit slip showing that merchant agreed to credit me back. However I opened the dispute in the first place exactly because the merchant refused to communicate regarding a refund, which is a prerequisite for XXXX customer disputes. I called Citibank dispute department multiple times and multiple representatives there have told me various different things. For example, on XX/XX/XXXX, I was told that a referral had been submitted to the investigation team to consider re-opening the case and that'd I'd get a response within 5 - 7 days. On XX/XX/XXXX, with no response, I spoke to another representative who re-submitted the request and guaranteed a response within 24 - 48 hours. On XX/XX/XXXX, still with no response, I called again and they told me I'd get a response within 7 - 10 business days. On XX/XX/XXXX, still with no response, I called once again and representatives XXXX and XXXX both told me that they put in a request for manager callback for me and a dispute department manager would call me back within 24 hours. 24 hours later on XX/XX/XXXX, XXXX no response, I called Citi dispute back again and finally got a manager, XXXX, on the phone. Surprisingly she told me that the dispute case is still open ( contrary to what everyone else has said previously and what shows up on my Citi online account ), and that I have until XX/XX/XXXX to provide the credit slip or any additional evidence. She acknowledged that services paid for were not rendered, but reiterated that a credit slip was necessary for Citibank to continue the investigation. 

Citibank 's frequent delays and inability to actually investigate the case and issue a chargeback on the merchant while they all necessary evidence are unacceptable. Closing / stopping the dispute because of lack of credit slip is in itself contradictory to the purpose of credit card disputes. This is against Mastercard International Rule for " Goods or Services Not Provided '' under code XXXX.
My name is XXXX XXXX and upon checking my credit report it shows XXXX XXXX  on my XXXX  report 20 times as credit inquiries.. the problem is this I have a few accounts with XXXX XXXX   however these inquires that I see I did not authorize and I would like for XXXX to remove these items from my credit file. 
XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX
Ditech refuses to remove my PMI, although they say I am eligible if my home appraised differently. I have spent 9 months ask them to remove it based on an appraisal ordered by DITECH in late XX/XX/2017. That appraisal was XXXX. The market is hot & Ive added an additional floor of finished space since then. Finally, very apologetically, XXXX XXXX, a lawyer for them sent out another appraiser. Suddenly, my house is worth 280k. I have NEVER made a late payment, my mortgage balance is around 26Ok. 
They agreed ( via emails ) I have that the appraisal was strange and reestimated in their PMI Dept ( I think they just guessed ) that it was worth XXXX. Oddly, still not enough to remove PMI. 
At this point, I have paid 280 $ a month for 8 months of asking for it to be removed. I have all emails and both appraisals in hand. Im very upset. This is like a bunch of bullies robbing me, because they can. I cant refuse to pay. They are taking advantage of someone who cares about their credit. 
Please help. I dont know where to turn. 
Thank you.
I have a medical collection on my report that is not mine, account # XXXX. I have disputed this information with Experian several times since XXXX this year and the collection agency ( XXXX XXXX XXXX ). I have send certified letters and requests to validate the debt and remove it from my report as it does not belong to me. Experian is failing to delete and re-investigate the collection. Experian keeps stating that " They have contacted the furnisher of the information and verified the account ''. The furnisher can not verify the account and because of that they have closed the account. I have filed complaint against XXXX XXXX XXXX ( XXXX ) through CFPB case # XXXX. XXXX is stating that they have closed the account and send the request to delete to Experian. I have disputed the information again with Experian on XXXX XXXX, 2015. Experian fails to re-investigate and delete. Experian continues to report false information on my report.
I have received numerous calls to my family members giving out my debt information and saying I 've committed a crime and I will be arrested at my job if they do not provide information. They have called me in the past and I have request several times for them to send me this information that I supposedly owe a debt. And advised that they can not provide to me that information in writing, I have it from when I originally opened the debt. They threaten to come to my work, home etc and arrest me if I do not pay an outrageous amount and if I do not comply they will press criminal charges against me. They will not provide me their information and when I keep pressing the issue, they get very vocal and use profanity and I end up hanging up on them. I advised them that I am on the DO NOT CALL list, but they proceed to keep calling my number and my family members. This has to stop and they need to be accountable for their tactics.
The account at XXXX XXXX XXXX in XXXX Texas is paid in full and I have the cancelled check. The collection agency still reports the original amount due even after I disputed with the credit bureaus.
I have paid my Bank Of America credit card on time for more than a year. 
My daughter was XXXX  on XX/XX/XXXX and I was in the hospital for a few days with her. 
My credit card payment was due on XX/XX/XXXX. 
Even though I was at the hospital, at XXXX on XX/XX/XXXX, which is the same date as the payment due date, I paid my minimum payment, and yet Bank of America assessed a late fee of {$27.00} and refuses to refund it! 

Does big banking greed really have no limits? 

I 'm planning to go to small claims to resolve this if necessary. 
And of course to the local media company.
Equifax is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy and XXXX XXXX. I am attaching supporting documentation to have these accounts reinvestigated. Equifax wrote they verified the account with a 3rd party, XXXX XXXX. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 
Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately
In Beneficial 's response dated XX/XX/XXXX to CFBP complaint # XXXX, Beneficial representatives state, " XXXX XXXX XXXX referenced three previous mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please be advised that we are unable to research these mortgages as they are no longer available in our servicing system. '' Since Beneficial is incapable of doing the research on these three previous mortgages, I have done it for them and have included them within this complaint. As one can see by doing a simple comparison, the three previous mortgages ( XXXX, XXXX and XXXX ) completed by Beneficial contain the correct legal description of my deceased parent 's property, as opposed to the legal description contained in the purported XXXX mortgage Beneficial ( HSBC ) admittedly sold to XXXX, with servicing being conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX  ). This is further evidenced by the legal description contained in the XX/XX/XXXX Loan Title Insurance Policy issued by XXXX XXXX XXXX XXXX, XXXX Once again, Beneficial and XXXX are unethically misrepresenting the facts and continue to seek judgement on a security interest without the required standing or supporting documentation. I demand they stop any and all misrepresentations and illegal actions.
AMERICASH LOANS SAYS THEY HAVE STOPPED CALLING MY WORK PER CASE # XXXX. THIS IS A LIE BECAUSE THEY CALLED MY WORK AGAIN TODAY, CAUSING ME EMBARRASSMENT FOR THE 5TH TIME.
Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?

Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??

XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX   XXXX
First off Diversified did not notify me that they were going to be collecting this debt and reporting it to the credit bureaus. I did not get any notice to dispute this item until it already appeared on my report. Secondly this same account was previously on my report by a different credit agency who removed it off my report as it was not my account. So Diversified bought this account and it is not mine and was previously proven as not mine. This is a violation of my FCRA. Once I seen it on my reports I sent them a certified letter requesting debt validation. I asked for proof that this is my account such as all accounting info, proof of signature, and proof of account history. They mailed me a bill! This is not debt validation. The bill does not show that I opened this account and that it is mine. My identity was previously stolen and have had problems ever since. So if this debt can not be VALIDATED as my debt it needs to be deleted from all 3 credit reports. As it previously was. If this is not handled accordingly I will go to my local attorney generals and to the BBB and file a complaint.
On XX/XX/2019 went to XXXX XXXX to trade and buy a vechile.Dearship pulled credit report up, nothing reported on the payments to SANTANDER CONSUMER USA on Car payment for the last 16 months for ME and my wife.So I called the Fianance co.Have to summit a report to there dispute dept, which could take up too 30 or 60 days to get resolved.So appreciate if could get the issue resolved soon YOURS TRULY XXXX  XXXX XXXX
A company, XXXX XXXX XXXX XXXX, has obtained or pulled two hatd inquiries without my consent. This company was an inquiry in XX/XX/XXXX and recently here in XX/XX/XXXX pbtained my credit without my permission. Both inquiries should be removed from my credit as soon as possible! These inquiries has resulted in my scores decreasing with the credit bureaus! The description shows child support and I've never owed child support in my life. This company should provide documentation that I authorized these inquiries or be fined/penalized.
Nationstar reported for a year on my credit that I was late but I was never late. I continually called and called asking them to take off the late payment. It showed i was late in XXXX of 2015 but was not. Every time I would call they said they did, but would never provide proof that they did then they would tell me they would take care of it. It took me putting in a dispute to the credit agencies for them finally send me the notification. It took them a year for them to fix it and now my credit is screwed up because of this. I am now paying higher interest rates on XXXX loans I took out because of this.
This account is inaccurately reported on my Equifax credit report, I 've tried to contact XXXX XXXX and they wo n't give me a direct access to the account and they wo n't tell me why nor I 'm able to get any info from them. 
so I contacted Equifax about it multiple times in writing explaining that this account is inaccurate and I wish to remove it or they can provide accurate signed or pairing my own signature as proof of my ownership to the account yet they failed to communicate with me, provide documentation to support the info reported or remove the item. 
I 'm very embarrassed, humiliated, mentally effected and financially hurt by this inaccurate reporting, so I 'm asking you please as a consumer protection institution to help me and protect my rights. 
the creditor : XXXX XXXX Bank XXXX reference account # : XXXXXXXXXXXX account ending : XXXX amount reported : {$15000.00}
I was unemployed from XX/XX/XXXX to XX/XX/2018. In XX/XX/XXXX I asked for an extension to help me out during this time. I was told I would qualify and per the agent 's explanation wouldnt need to do anything else. With this issue I thought behind me I focused on moving for my new job. When we applied for a rental house we discovered my credit had been marked. This was the agent 's fault. The XXXX   complaint was responded that they tried to reach me, but again we had moved and I had updated this with the agents. I want the 30 day delinquent mark removed.
In XXXX 2016 I had some fraudulent activity against my credit card. After contacting their fraud department, they attempted to remove the fraudulent activity from my card, but only removed part of it. 
After contacting them a second time, they successfully removed the rest. 
A month later I look at my account only to find out that someone put all the charges back on. 
One of their fraud agents saw they credited the card that was cancelled ( as well as the correct card ) and put the charges back on my current card, essentially putting all the bad charges back on. 
I have spent many hours on the phone, and they acknowledge the mistake, but over the last month and they have only removed part of the charges. 
I have spent over 5 hours on this and they keep telling me they will put someone on it to fix it, but every week, it 's still the same.
XXXX caused me embarrassment and harassment by contacting my employer to " command '' information on my employment and income with the intention of collecting a debt for XXXX XXXX for a person with my same first and last name, residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX, w/SSN ending in XXXX. 

I notified them XXXX/XXXX/16 that I have never lived there, my middle name is XXXX, and that 's not my SSN. 

According to the FDCPA, I requested the mandated correspondence within 2 weeks confirming all collection activity towards myself and my employer had ceased. I never rec 'd and called asking for confirmation again with no reply. 

Therefore I would like to file a formal complaint against XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX for violation of the Fair Debt Collections Practices Act.