WillisBack/dataset-financial-user-claim huggingface dataset:
Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. Equifax, XXXX, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
I am a victim of identity theft. I have XXXX fraudulent and unauthorized hard inquiries that 's listed on my Experian and XXXX credit report and do n't belong to me. The following hard inquiries are fraudulent and unauthorized, and do n't belong to me : XXXX XXXX XXXX, XXXX  XX/XX/17, XXXX XXXX, XX/XX/2017, I have never applied for a credit card account with XXXX XXXX or XXXX.
On XX/XX/XXXX I sent in a complaint to the XXXX on Equifax. On XX/XX/XXXX I received the message from Equifax by phone that they have not removed the hard inquiry from XXXX XXXX. The representative from Equifax said that XXXX XXXX needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that XXXX XXXX DID in fact notify Equifax to delete the hard inquiry from my credit report ... Equifax is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.
XXXX   I opened a money market savings acct. No service fees with a small interest payment per month. The last statement I received from Key Bank was   XXXX   XXXX   Key Bank made the account dormant since there was n't activity, they stopped sending statements,  Key  Bank did not issue me  XXXX   XXXX  statements for the income. I found my check book and created a login to find out what happened to the account. It was still active and  Key  Bank started charging the account a {$18.00} monthly maintenance charge. I went to Key Bank   XXXX   XXXX   XXXX   XXXX   XXXX  , OH today (  X/XX/XX  ) and asked for a refund from  XXXX   XXXX . He was annoyed he had to talk to me since it was almost closing time and he was " busy '' he said he still had  XXXX  calls before he could help me. I waited. He was upset that the number was so old and he did n't recognize it. He has worked there over 20 years.   XXXX   would not refund my money and said it was part of the original paperwork I signed when I opened the account. The fee was n't charged for 5 years.  Key Bank  never sent me updated terms on the account, monthly statements for the account or the  XXXX  forms for tax purposes. They withdrew a total of {$660.00} that was unauthorized. I feel Key Bank was hiding the account, it had {$3200.00} in the account.
There were 2 open accounts, 1 for around 2000 and 1 for XXXX, both accounts were same hospital visit. The hospital visit was due to getting physically attacked. Now I had and have medical, always have and XXXX is my insurance provider and I will have to call but i can get proof of that. Also why would they not have to cover only the small XXXX amount and not the 2000 amount when it was the same visit, im not even sure why the amounts were split up but regardless it was covered by my insurance and i should not have to pay that.
I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, Equifax and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
My XXXX Mortgage is an interest only loan that has adjusted out to {$3000.00} a month this mortgage is with XXXX XXXX Mortgage, Bank of America is the XXXX Mortgage. I owe more on my property than the market valve I need to get my payment on a fixed rate. I do want to keep my home
I have an installment loan that I have had for about 4 years now. My vehicle is being held as collateral. Heights Finance will call my phone and my place of employment up to XXXX times per day each. Often times due to only one person income I pay within 30 days of due date. My recent ACH payment has been returned after only being processed once in my bank account. XXXX XXXX from the XXXX IL Branch, contacted my place of employment and spoke with one of my co-workers which happens to be one of my employees and advised her of the amount that I was behind and that the check had been returned after the co-worker advised that if it was regarding a debt she should really contact my personal cell phone. She has also left messages threatening a judgement for being 30 days late.
My wife and I have had a loan wit XXXX XXXX for several years. Although we were late at least twice on the loans, we caught them up. The loans were then sold to Springleaf Financial. Recently, I reviewed the payments on the loans and noticed that the amounts have never decreased since we have had the loans. XXXX loan is for {$15000.00} and another for {$5000.00}. XXXX loans are more than the original loans now and have not decreased. For example, we have paid more than {$60000.00} on the XXXX loan and I have no idea on the XXXX. When we tried to ask questions pertaining to why we have paid so much on the loans and they never decreased, we are either sent through multiple departments or referred back to the high interest rate and penalties on XXXX loans. I have discussed with several parties outside of the loan companies and no one seems to help. We both believe something is not right concerning the loans and the amounts we have paid on them, yet the amounts are not decreasing. Based on what is currently happening-WE WILL NEVER PAY THE LOANS OFF!! Please help. We have documents that can be sent.
Currently owe {$39000.00} in student loan debt for my son 's education. Requested deferment several times due to financial hardship. While the loan was in deferment a few times, interest continued to accrue. This account has been with XXXX/Navient since XXXX. Payments have been made on a consistent basis for several years now and we have only paid off {$1000.00} in principal in the year XXXX. This is outrageous and we have been taken advantage of. The current monthly payment is $ XXXX
FOLLOW UP TO PREVIOUS DISPUTE I am still waiting upon a resolution and a response from Equifax regarding a strange " loan '' appearing on my credit report labeled XXXX XXXX account number is XXXX .... 
This is an unfamiliar account which I have been disputing with just Equifax and I have had zero response since my initial dispute from my letter sent out in XXXX and then challenged the account again here on the CFPB portal in XXXX because I am concerned about my student debt rates that will be affected by this inaccurate account. No remarks have been placed on the account that this item is being disputed by the bureau, no information is available from Equifax or any monitoring company regarding who and what this account is in reference for and to whom I may contact for verification. 

I have never held an account with XXXXXXXX XXXX and I am not even sure what a Loan is from XXXX XXXX. Without validation, contact information or proper month to month status information how is this being reported towards my credit? This certainly was not verified and I feel as though a dispute was never entered because none is indicated nor have I received mail regarding the results or whom to contact. Please remove the account permanently. I don't understand why I am waiting so long for a resolution here. good XXXX it has been 3 months and I have no resolution and I keep being told to wait on a response ....
I called trans union and ask about my hard inquiries and some of them where wrong and they would not remove them and was rude to me when I asked them to remove them then they wanted me to send out 6 different letters to them saying something about the creditors have to send them a letter when I should n't have to go through all this trouble to take something off my report that I did n't do and wait 2 months to get it done it 's total bs
I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :   XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX  XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX   XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on  XXXX , and transunion and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
I applied for a pay day loan with this company on XXXX as I have done several times. In times past I applied for a specific amount and was given a pay schedule which told me how many payments I had to make until the loan was paid. When I applied on the XXXX I was under the impression I was applying for the same type of loan but the company changed the name of the loan to flex pay. I got a loan for XXXX and thought I would be paying about XXXX installments until the loan was paid. I called the company today to find out how much owed and I was shocked that I still owed over XXXX and I 've made XXXX payments. I was told by the representative that the way they do loans have changed and now it is an open line of credit and that if I only make the minimum payment on XXXX is going towards the principle. He said it was like a credit card. I feel that I have been a victim of predatory lending and full disclosure was given to me at the time of the loan. They changed the name of the loan. Under these terms I will never pay it off
I made a payment to a company but it was never received and bank of America refuses to give me my statement from that month to show the company I did payq
I signed up for a Citibank gold checking promotion that offered XXXX XXXX XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I sent the following secure message to Citi to confirm that I had successfully completed the Citigold checking promotion. 

Account Number : Interest Checking XXXX Subject : Promotional Offer Reference : XXXX Hello, I wanted to confirm that my account has fully completed the requirements for the XXXX AAdvantage miles from the promotion I signed up for the citigold checking account. 

With the two bill pays and {$1000.00} debit transactions completed, please credit my AA account # XXXX. 

Regards, XXXX XXXX XXXX : XXXX Citibank then confirmed via a secure message that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. 
More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than {$120.00} in account fees to keep the account open until the points had posted.
This debt from XXXX is not mine, I had a contract with XXXX XXXX in which I paid, and all equipment was returned! The contract was prepaid, there is no way I am left with a balanced owe! XXXX XXXX has given no resolution or validation of this debt, and now has sold it to Credit Protection. I need this false debt deleted
I got the XXXX XXXX US Bank Credit card a couple years ago. Within the last year, the benefits for the card have been removed. I have paid the annual fee to receive these benefits. Specifically, there is a benefit to receive a free night with a points booking after paying the annual fee, and this has been taken away. XXXX XXXX is not living up to their end of the bargain, as I have paid the annual fee and am not getting any of the benefits. 

Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee " and the Bonus nights are listed as a benefit for paying the annual fee, hence, Bonus nights are a benefit of the annual fee I am paying. 

The language included in the agreement I signed up for states that I get the 2nd free night after paying the {$75.00} fee. US Bank/XXXX XXXX is not living up to their own terms & conditions. 

Please let me know any appropriate follow-up with CFPB or XXXX XXXX.
MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY CREDIT SCORE ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.
this company XXXX says i owe them when i paid this bill off and they are trying to say i owe {$2500.00}, they keep calling me and harassing me saying i better pay it or they will sue me. I'm tired of the calls.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, Equifax, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
verified that payday loans are illegal in NJ I am being harassed threatened by someone at this phone number  XXXX
Both my checking, savings, and credit card account was close for no reason. Citibank was the first bank account I ever opened and one day I just received letters saying they have decided to close my account without stating why.
On Friday, XXXX XXXX a received a call from someone from " XXXX XXXX XXXX ''. they said that i had a claim number and a subpoena ready to be delivered to my doorstep if I didnt make a payment in regards to a a payday loan i took out from Ace Cash in XXXX XXXX TX in XXXX. 

They forced me to provide debit card information as they told me if i didnt make XXXX dollar payment i would be sued and possibly jailed.
On XX/XX/2018 I wrote to XXXX, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote Convergent Outsourcing myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.
I found incorrect information on my credit report with trans union and attempted to dispute it online- after creating an account and entering information, their webpage would not load ( tried on 2 different computers ). I clicked on the dispute by mail link to download form and there was no form to download on the page, only an address to mail it to. I used XXXX to find form on a completely different page, and downloaded it. I called the XXXX number and was told by an XXXX rep that they I couldn't dispute it by phone. I asked for a supervisor and was on hold ( for approx 10 minutes ). XXXX supervisor was impossible to understand, and he was having trouble understanding me- I asked to be routed to an English speaking rep in US- was on hold for another ( approx ) 20 minutes. Finally spoke with an english-speaking supervisor ( XXXX ), who was sorry that their website wouldn't work, but I can't dispute by phone. Trans Union is reporting obviously incorrect information and impacting my interest rate, while intentionally making it difficult or impossible to correct the record. The disputed items are 2 hard inquiries : XXXX XXXX ( I don't have and have never applied for a mortgage from XXXX ), and XXXX ( 2 hits same day for 1 card, obviously an error ).
I received a letter from XXXX XXXX XXXX XXXX, on behalf of JH Portfolio Debt Equities LLC requesting payment on a credit card debt. I called the company on the letter, requesting all documentation including default date, last payment date and any other activity on the account. They would not provide me with this information.
Hello, This has to do with Wells Fargo taking over my mortgage from XXXX effective XX/XX/2017, advising me of the transfer of my account. They are charging me an extra charge of {$XXXX} extra for taxes. Where they are charging an extra amount of {$XXXX} I have no idea. I sent them a copy of my property appraisal information, where it states on that document that I'm exempt from any taxes since I'm a XXXXXXXX XXXX XXXX Veteran and except from homestead taxes and I'm over XXXX years of age, But they continue to charge me the {$XXXX} for the last three months..As I've tried to contact them my email and still now answer from them. paying and {$XXXX} My loan number XXXX their phone number is XXXX and their website is wellsfargo.comXXXX Their email address is https : //welsfargo.customercarenet.comXXXX.   My loan number XXXX. Phone number XXXX
I had a car title loan wi th Springleaf Financial  on a  XXXX   XXXX   XXXX  in 2013. I lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX  ,  XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted Springleaf that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent Springleaf ( to the address on my credit report )  2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
XXXX XXXX IS REPORTING 2 COLLECTIONS ON MY CREDIT REPORT ONE IS FOR XXXX OPENEDXX/XX/XXXX. AND ONE FOR XXXX OPENED XXXX. I HAVE NOTIFIED XXXX XXXX AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH XXXX XXXX FOR XXXX OPENED XX/XX/XXXX. I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.
My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.
XX/XX/2017 applied for a new American Express gold card and was told I would receive 0 % interest on all purchases for 1 year as well as up to XXXX XXXX bonus points on purchases made in the first 3 months. 


In XX/XX/XXXX, when I realized I was not receiving bonus points or 0 % interest I called and they opened a complaints ( XXXX ) and said they would get back to me. Name was XXXX and he said I would have a response in a few weeks. Never received a response back. Called again on XX/XX/XXXX and again was told that we were valued clients ( my husband  has been a cardholder for many years ) and I would receive a response by mid XX/XX/XXXX. Again, never received any response. 


Called again on XX/XX/XXXX and " XXXX '' a manager set up call back for XX/XX/XXXX at XXXX central time. Never received a call back. Called them at around XXXX and was told the " ID '' number XXXX XXXX gave me was not a valid " ID ''. Spoke to " XXXX '' " ID number XXXX who told me she would have her supervisor and a manager review and get back to me. Said she was not authorized to give me their names. No one called me back. 


Called again on XX/XX/XXXX and spoke to XXXX who transferred me to XXXX. XXXX assured me that I would have a response by Monday, XX/XX/XXXX. 


On XX/XX/XXXX, " XXXX '' called me back and said they had reviewed the " recording '' and they would not be honoring the 0 % interest or bonus XXXX points. I asked to have the recording send to me and he called me back and said I would have to have a subpoena. I then tried calling my phone carrier and they said they do not maintain copies of private conversations. 


For starters, I would never have charged that much and left it on the card if I was going to be charged interest. American Express records will show that we typically pay off our card every month. Since I first realized the issue in XX/XX/XXXX, and tried to get it resolved, an additional {$2000.00} in interest has accumulated. Over {$3000.00} total for the year.