WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in the process of correcting errors on my credit report and I disputed some of the inaccuracies with Experian online and they website stopped me and requested that I send in a form with my DL and social security card. I filed Chapter XXXX Bankrupcty so all my items that were included in my BK petition should not show any balances or late payments. On XXXX XXXX, I typed up my dispute, included all the forms that they requested and have not heard any resolutions from Experian. XXXX XXXX XXXX shows a balance and is reporting a late payment which caused my score to drop 25 points as if XX/XX/17. XXXX XXXX XXXX was included in my Bk, Experian continues to report a balance and late payments and they are telling me that they verified this with the creditor. XXXX XXXX XXXX was also included in my BK and they continue to report a balance and a late payment.
RE : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. 

Here as follows is the item in error : Collection Agency : XXXX XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX ( Business has since been dissolved ) Balance : {$470.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XXXX XXXX ( inaccurate, business dissolved in XX/XX/2014 ) Basis of Dispute E.g., I never had an account with this creditor and I do not owe this debt. Invalid information listed on credit Report - original Creditor name is wrong. I did not sign an agreement to pay for any services with XXXX XXXX XXXX nor did I sign an agreement with the collection agency -Debt Recovery Solutions. I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX and was removed for the same false accusations. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.
MY MAILBOX SYSTEM HAD ALOT OF POSTAL ISSUES AND I ALREADY CALLED AND SPOKE TO POSTAL MASTER OF MISSING ULTILTY BILLS.I recieved email last week from XXXX about possible data breach from 2014. And to contact all credit reporting agencies. 
SoFi account is not mine. I HAD PULLED MY CREDIT REPORT, WHICH I DO EVERY 6 MONTHS.I WORK MANY HOURS FOR THE GOVERNMENT. 
I ALSO WROTE THE XXXX OFFICE AND FTC IN RESPONSE. 
I have no knowledge of it, no legal obligation for it and no information as to its origin. 
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT. 


I got this bill and I just want to verify, validate that this bill is something that I owe. '' You know in these times of all this identity theft online and so on, this is just reasonable, good book keeping, okay? You sent me this? That does n't mean I owe it. I just want you to prove that I owe this bill. That 's all I 'm doing. I 'm not being confrontational. I just want you to prove it the way the law says you have to prove it. I sent you a letter asking you to send me the correct documentation within 30 days that validates the debt. That 's the rule, that if I owe this bill. Here 's the issue. For any debt by a lending institution, you can not send me the information that I do in fact owe you. You ca n't send it to me because you do n't have it, okay? I got some bill in the mail, and there is something on my credit report. That 's kind of like a bill because it 's saying on my credit report there 's this derogatory account. In other words, a derogatory account or any listing of a tradeline account active is that someone 's saying I owe this bill and you have n't paid us yet. So whether it 's a bill that comes in the mail or something on my credit report that 's negative, that 's another kind of a bill, all I am doing in now is basically this. I am asking you for the accounting records of this trade. 


The accounting records will show, legally, I gave you a promissory note and you gave me Federal Reserve notes. There was a debit entry into the accounting. There was a credit entry into the accounting. They cancelled each other out, debit for credit, credit for debit. The transaction was complete when the notes were traded. I do not owe you a penny. Your accounting records prove it. All I 'm asking for is that proof : " Could you show me your accounting records and that contract, the wet ink signature contract, or a copy of the contract that is affidavited? '' What does that mean, affidavited? In other words, somebody has to make a copy, then sign at the bottom, I made this copy and their signature is notarized. All I 'm asking is, " Please show me I how I owe this. I do n't owe this? Well then you 're a fraud. You owe me money. It 's really simple. '' Court trying to explain to the judge the " Original Signiture Agreement '' and Affidavit showing entry.
I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit
Verification/Validation of Debt was not provided by XXXX XXXX XXXX XXXX. Accounts XXXX and XXXX do not belong to me. Violation of FCRA 605. Identity theft, unauthorized obtainment of my personal information without my consent.
LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you
My wife 's SS number used on my report ( personal information ) on the trans union credit report.
Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
I had applied for a loan modification to State Farm Bank. After the agreement to modify said loan was agreed on. I made the initial payment and XXXX more payments with no problems, While attempting to make pmt # XXXX the Bank refused to accept. I an in litigation now and recently found out that the Bank had put in a claim to the Title Company and were paid off. 
I need this problem solved iut is affecting my credit report.
I am XXXX years. Wells Fargo has bee manipulating my account for several years. 
I have tried to get Wells to provide answers or proof of significant amount of money they withdrew from my account and claim to have paid out. Wells claim not have have the record and one document sent me is so redacted as to be unreadable. I am not writing about this because I believe the Bank is so inept and corrupt that it is useless. I have no more money to hire attorneys to chase after them so I decided to close my accounts. I did so on XX/XX/XXXX. 

Subsequent to my closing the accounts, I received a letter from Wells Fargo claiming that I owe them XXXX.. I immediately went in to the closest XXXX Branch to get an explanation. First I had him verify that my accounts were closed. He asked me how I closed them and I said on the same site that had been using for all the years at Wells Fargo. He said I needed to go into to a branch to do this. I asked him to please make sure these accounts are closed because I had long since stopped using the accounts, had cut up my debit and credit card, and owed no money to the Bank.. For over an hour I sat while the employee made calls to various people. 
Conclusion : Wells Fargo had been depositing other clients money into my account and they want me to pay it back. I went to my Branch and spoke with the Manager who tried to reach some officer at Wells with no luck. I have a statement showing several deposits were made into the account on XX/XX/XXXX. That is after I had closed my account with Wells and verified it the Branch listed above. I have the dates and names of those who I spoke with and met. 

A man threw a bunch of papers in the Hallway after asking my name. I found out this was a summons from attorney who represent Wells Fargo. I had been quite ill but I called and spoke to Attorney XXXX, XXXX and XXXX. I told her I could not afford to pay the amount. She had another attorney call me while she was listening. He what I'd be willing to pay, and I said {$100.00} per month. He asked my age, calculated the number of months it would take. 
to pay, said there is nothing more to say, then abruptly hung up the phone. I confirmed this when I said to Attorney XXXX who was still on the line : Did you hear he hung on me? She said " yes. '' I got out of my sick bed to pick up an Answer Form from the Court Office. Still quite ill, I completed the form, returned on XX/XX/XXXX after I left my Doctors Office and filed my Answer with the Court. I mailed a copy to the Attorney that same day. 

Today, XX/XX/XXXX, I received a notice from XXXX and XXXX that they had asked the Court to grant a default Judgement against me. The date of their filing is listed as XX/XX/XXXX. I called the Court and mine was the last filing on the docket. The Hearing Date is set for XX/XX/XXXX. 
I am seeking your help. I have the paperwork to ; prove did nothing wrong and do not believe that I owe Wells Fargo any money. 
I submitted this on the web site also. 

Please help me
Hi there! 
I have been battling with the XXXX credit reporting bureaus since last XX/XX/XXXX. I discovered I had been assessed a tax lien in error ( the lien was for a car that was a gift, but I forgot to check the " gift '' box on the title transfer, this the state [ Ohio ] assessed me the tax value ) but I worked with the Ohio Attorney General 's Office and they gave me a lien release letter that I sent on to the XXXX County Clerk of Courts. The lien is removed but should not have been assessed in the first place. I worked with XXXX and XXXX and when I submitted my disputes and paperwork they completely removed the lien from my credit report, but Equifax refuses to remove the lien and just shows that is " reporting correctly '' as being paid in full. This is negatively effecting my credit score and was not my fault in the first place at all.
I received my credit score from one of my lenders and it mentioned i had a serious delinquency. I tried recving my free annual credit report from the government website. I was able to get XXXX and XXXX just fine but Equifax will not let me receive mine. I have tried going on the Equifax website and it still would n't let me. I should not have a serious delinquency and/or no late payments on my credit report. XXXX and XXXX both reflect the correct information but Equifax is not. I am guessing its possibly showing a late payment with my XXXX XXXX student loan? But i am not 100 % sure since i can not view my credit report from Equifax. I have reached out to XXXX XXXX 5 times and each representative has confirmed that they did not report late on my student loan. They have told me that they reported it as 0 days late. XXXX reflects that as well. So i am wondering why my Equifax fico score says i have delinquency or possible late payment and if so need it disputed since thats not accurate. I am guessing it has to do with my XXXX XXXX loan since when i check XXXX XXXX for my credit reports XXXX shows it all correct. But Equifax is showing blanks for last reported on my XX/XX/XXXX and XX/XX/XXXX payments.
Experian continue to provide false information and now is stating that XXXX XXXX does not report the XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until XXXX XXXX sends them a letter stating it needs to be removed. 

Experian representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing XXXX XXXX has removed the Bankruptcy from their records, The need a letter from XXXX XXXX telling them to remove the Bankruptcy. 

I'm not sure what XXXX XXXX is reporting to them but Experian is the only Credit reporting Agency that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact Experian I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court,  when asked for documentation they have no documents, and the others are stating as per XXXX XXXX. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX  I'm requesting CFPB investigate what Experian is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against Experian.
Inadvertently missed a mortgage payment at Wells Fargo. Received +/- 15 robo calls at all hours. On picking up and saying hello, the line went dead. Finally, on Sunday XXXX XXXX, a live person was there and explained the issue which I corrected online immediately.
Somebody named chexsystems inc is telling people to not give me a checking account, I did not authorize this chexsystems to collect data on me or to report on me
The closing was delayed twice. The builder threatened to sell the home to another buyer if the lender didn't close soon. The builder has refused to ever work with the lender again. I called, emailed, text messaged the lender many times and rarely had my correspondence returned. I felt that I was kept in the dark throughout most of the process. I did not know what type of loan they were qualifying me for or what I needed to have for closing costs until the day XXXX signed the closing paperwork. It should have been a happy time closing on our first home, however it was stressful and we signed the paperwork under extreme duress. We were moving from out of state and needed a place to stay. We also did not want to risk the builder selling the home to someone else. I had other lenders tell me that they would qualify me for a conventional loan, and this lender did as well. On the day that I signed the paperwork, I found out that it was an FHA loan.
Opened a checking account on XX/XX/18 under an advertising pretense that I would receive a {$100.00} bonus after I made a Bill Payment through the checking account within 60 days of opening an account. During the application process, there was a notification that said " {$100.00} Bonus Promo Applied. '' After I completed the qualifying activity, I contacted the back to inquire about Promotional payout through a secure message on XX/XX/18. I was told at that time that I would have to wait 90 days for the payout. After 90 days, I contacted the bank again on XX/XX/18 and was told that my account was not qualified for the promotional bonus and that I had opened the wrong type of checking account. This was clearly a bait and switch operation as I had received a notification that the promotional bonus was applied during the application process. I also know of others who had opened the same exact type of checking account through the same offer and they DID receive the {$100.00} bonus payout as promised.
On XXXX XXXX, XXXX a company called XXXX XXXX had pulled my credit thru major banking institution without my permission. When alerted by credit karma and life lock on the XXXX, I immediately approach the dealer to investigate and feed my question. I was told after speaking with sellers that a young man came in by the name of XXXX and said he wanted to finance a XXXX car by infinity. My name is XXXX. So they said the young man told them that his so called father was away in Texas and then proceeded to put this person on the phone. They said the person said they were me and gave my social and that was enough for them to pull my credit XXXX different times. No i.d in front of them with the person there and they said it gave them enough to pull the credit
I got a call from CBE Group about a XXXX debt I owe somewhere in XXXX and I live in Virginia. I have only been in the States since XXXX 2015 and this comcast account has been opened for well over 5 years according to the caller from CBE Group. Even after explaining that this is not mine and have other addresses listed on my credit report which I do n't recognize, CBE Group still went ahead and put this on my credit report. I have been denied several credit applications because of this.
Chase bank sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added {$75000.00} to my loan for delinquent payments. I was in modification with Chase for 5 years, and 5 different modifications. When we were just about to complete, they sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then billed me for {$80.00} something XXXX. After months of disputing since I did n't know who in the XXXX they were and did n't know my loan was sold, they tacked all this money on my loan and ruined my credit. As you know, when your in a modification, Chase would not accept payments for all the years. I do not think they have the right to do that. I was XXXX years old and completely used by them. I am now XXXX and will never be able to pay off the loan. My loan balance at the time of starting the modification was about {$1300.00}, PITI. Now its the same with a lower interest rate, but {$75000.00} more and I will never pay off my home.
I tried disputing incorrect information on my credit report from addresses that do not belong to me that are linked to accounts that do not belong to me and the results came back from the investigation stating the account has been updated. I tired calling in several times but still no luck. I told them that I am a victim of identity theft.
Recently Citibank publicly stated they are no longer supporting businesses with loans and other financing related issues that are connected to or involved with the firearms industry, including companies that build firearms and accessories. Through the power that Citibank holds with their ability To destroy companies operating legally and manufacturing legal items, they are attempting to legislate through ( social ) virtue signaling rather than Congress legislating.

As Ciitibank owns a number of private companys credit card and credit card services such as Home Depot, XXXX and others, I firmly believe that their privacy policies need to include information that they are withholding and or no longer loaning or servicing businesses that are involved in the firearms industry. This is a direct infringement on the second amendment to our Constitution. Personally, I will no longer be using credit cards I hold for XXXX, Home Depot and any other businesses that are owned by Citibank. 
It is imperative that consumers understand that Citibank discriminates concerning the firearms industry so that those consumers can make the decision to do business or not with Citibank or any other businesses that are owned by, supported by or otherwise financially connected to Citibank.
Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.
Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.
The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.
The XXXX bill is out of statue of limitations. They keep selling my debt after I sent them a cease and desist letter. I sent certified mail on XXXX XXXX, 2014. It was signed by them I have all proof told her it out of statute of limitations she wanted to argue with me. Refused to tell me last time I paid on that bill keeps selling it off. It 's way over 10 years old she still wanted to argue with me. I told her you never mailed me a letter still wanted to argue told them over the phone to cease all communication with me. Told me the wrong address for the company.
I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that Nelnet Loan Services account is deleted on my credit report and credit file.