WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
I have been called for months by a company called Independent Recovery Resources , Inc. XXXX XXXX XXXX, XXXX, New York ; phone ( XXXX ) XXXX. They claim to be looking for someone named XXXX. When I advise that there is no one here named XXXX, they hang up. I suppose being rude is one of the job skills required to work for this company. If so, they have definitely managed to obtain the most skilled workers there. Today, I spoke to a bristly lady who would identify herself only as XXXX ( Operator XXXX ) who abruptly hung up when I tried to ascertain the nature of the debt and on whose behalf IRR was working. I also wanted her agreement not to harrass us further. I was civil but she abruptly hung up anyway. When I called back, the only option given was to leave a message.
Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.
Over the past ten years there have been two lawsuits naming me as defendant in a Foreclosure action for a property that I do not own and for a debt that is not mine. The first lawsuit was dismissed by XXXX after I had spent thousands of dollars in legal fees for representation. Years later in XX/XX/XXXX a new bank, XXXX that has assumed the mortgage named me again in another lawsuit regarding the mortgage. I contested this lawsuit and received notice from the Judge that I am not responsible for the debt. I continue to be harassed by the lawyers representing this lawsuit ( Phelan Hallinan Diamond & Jones ) demanding payment for a debt that the Court has stated is not mine. I clearly do not own the property being foreclosed on, I do n't live there and I have no interest in it. I am named in this foreclosure action erroneously and continue to be harassed for a debt that I am not financially responsible for paying.
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX
This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly appreciated!!!
On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX  credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to Equifax XXXX  and XXXX. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX  to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.
I was anticipating my enrollment in a credit card program that would have closed my credit cards. I was told that it would be better for my credit reports if I closed them myself rather than having the credit card companies close it. I called and tried closing my credit cards on 3 separate occasions. One time on  XXXX XXXX and again on XXXX XXXX and finally on XXXX XXXX when it was finally closed by the credit card company. Whenever I tried closing the credit card, I would inform that to the customer service representative of my intentions and they would abruptly end my calls. Finally, on the day it had been closed by the credit card company, I was told that it had already been closed.
Four or five months ago I gave my wife {$10000.00} so she would have money in her own name. I searched for the best bank offer and found an offer from Suntrust bank in XXXX, FL. My wife and I went there and set up the account. We told the bank officer that we were there only because of the offer of a {$250.00} bonus for large amounts that were left on deposit for at least three months. The account was set up in my and my wife 's names. The bonus was never posted to the account. Last week we went to the bank and talked to a different bank officer. He said the original bank officer was no longer with the bank. He checked the account and said that we were denied the bonus because we had not set up direct deposit to the account. I informed him that we had n't signed up for a direct deposit offer, that since my wife has no regular income that would n't make sense. In fact the original bank officer looked through the offers and rejected that one because of the direct deposit requirement, the offer she signed us up for had no such requirement. The bank officer we were dealing with on the later visit asked for proof of the offer that we were stating we had been given. We had not kept proof, we assumed that the original bank officer was capable of giving us an offer that we qualified for and that the bank was capable of tracking their bonus offers. Those assumptions proved to be false. After much delay we were told that the bank would not honor the offer. We promptly withdrew the money.
I am currently late on a credit card due to an issue with changing checking accounts. Chase is calling my brother 's cell phone number regarding this and asking for me. My brother repeatedly asks them to stop calling and asks where they received the phone number, and they stated first, " it is the number on the account. '' ( It is not. ) Secondly, when my brother says that is not true, they finally said " We received it from a third party website to receive a relatives number. '' In addition, they are calling from an UNKNOWN phone number. This harassment needs to stop asap.
I am an XXXX citizen and resident. I was in XXXX in holiday and the company, Coinbase, closed my account. I provided them with my passport and my residence documents, explaining them that it was just an holiday and as a XXXX citizen I am allowed to go to XXXX. They closed my account, took my money and never replied to me. It 's been over 20 days and I am very worried because I lost my money and they do not want to reply to me. I wrote several emails, provided all the proper documents and asked several times to be able to receive at least an answer, but no one from their team wants to reply to me. I tried also on social media but no results. As a XXXX and XXXX citizen that has proved not to have any business or neither residence in XXXX, I thought it would be easy to solve my problem, but they do not want to resolve it. In the meanwhile they took my digital money. This situation is incredibly frustrating, providing all the documents and proof did not help. Thanks
We purchased our home in XX/XX/XXXX and our mortgage was {$130000.00} with XXXX XXXX. in XX/XX/XXXX I lost a good job and we missed a couple payments and did a modification with XXXX to keep our home. in XX/XX/XXXX we received notice that our mortgage was sold to NationStar which is now operating as MR.COOPER. From the beginning it has been difficult being a customer of theirs. We have had to modify our mortgage with them last year due to my lack of ability to keep consistent employement. Long story short we were forced to sign a modification with them last year or lose our home as they put it. Our " modification '' is for {$140000.00} I have paid 10 years on a mortgage and owe more now than the day i purchased the home, i missed maybe 12 payments in 12 years, payments have always been around {$1300.00} monthly between both companies and our taxes are escrowed in our mortgage. Regardless, I have paid almost {$170000.00} of the {$180000.00} that I should have paid, but due to being out of work twice in the last 7 years and needing a modification I owe more now than in XX/XX/XXXX when we signed the XXXX XXXX  mortgage.
I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and Experian sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Above not accurate, attempted withdrawal from bank acccount. 
I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.
After the breach at XXXX, I wanted to place credit freezes on my reports at the three major credit reporting bureaus using their telephone based systems. XXXX XXXX telephone system did n't work ( surprise! ), but XXXX XXXX did ( at least one company 's systems work! ). I tried TransUnion 's telephone freeze system, but also did not work. ( " Could not verify my information. '' ) So, I logged in to TransUnion 's website, where I clicked on the " credit freeze '' button on their homepage. I proceeded to answer the security and identity verification questions, successfully, and then they asked for a credit card, which seemed normal as I understood that there was a small charge to freeze one 's credit report. I provided that credit card number ( which was accepted ), and the next thing I knew I was prompted to set up an account ( username, password, security question, etc ). So, I set up an account and then all of a sudden it was clear that I had signed up for a credit monitoring service, even though I was never told that I was doing that. Finally, presumably, there 's a monthly charge for this, but that charge was never disclosed. 

All in all, a slick piece of work : instead of getting a credit freeze, which is all I wanted, I was tricked into signing up for credit monitoring at a completely undisclosed price.
I have some concerns about records Lexis Nexis is furnishing to the credit bureaus. I do n't think the information is accurate. 
I have contacted the court and they did not furnish this information to XXXX. This accounts are not mine and XXXX sent me a letter attached as to the furnisher of the information. This is third hand information and hearsay. They did not verify this account as the address attached to this filing is not even mine. There are additional inconsistencies that I have advised XXXX of in my consumer legal action. 

I disputed the accuracy with XXXX and the results of their investigation and it shows that you claim to have verified this account. Since you claim to have verified this account, I now have the right to have you prove you are furnishing accurate information to my credit reports. 

Here is what I am now demanding : Please provide copies of the actual documentation you used to " verify '' this account with the credit bureaus and to update XXXX to remove these records.
IN REGARDS TO EXPERIAN : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.
This is a complaint against Equifax XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft the personnel department XXXX has blocked access to my credit report, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
My Name is XXXX XXXX. This complaint involves many parties ( The Merchant, The issuing Bank and VISA XXXX XXXX, all of which I have filed individual complaints. The party in this complaint is Capital One Bank in what I feel is in violation Claims and Defenses Provision and the Fair Credit Billing act. I have also asked VISA XXXX to investigate Capital One BankThe merchandise purchased was a sofa, delivered during the holidays in late XX/XX/XXXX using VISA XXXX. It was decided that the quality of the sofa was questionable. It definitely is n't 100 % leather as claimed. XXXX before the merchandise was delivered and this was a bigger concern as the hardness of the furniture made XXXX very uncomfortable, exacerbating the XXXX condition. 

After the merchant ( XXXX, XXXX Florida ) failed to listen to my concerns about the quality of the furniture and how it also created an uncomfortable environment, I decided to exercise my dispute rights explaining to capital One the reasons. The Capital One Chargeback XXXX case create was # XXXX. 
During the dispute cycle, I uploading several documents to Capital One 's Transaction dispute center. It was also discovered there was hidden damage under the furniture which the merchant, XXXX XXXX XXXX XXXX in XXXX Florida XXXX failed to address. Pictures of the damage were uploaded to the Capital One Transaction Dispute center as well, but with no response from Capital One. 

In XX/XX/XXXX Capital One found favor with the Merchant and re-billed the charge back. I have paid off the Capital One Balance with the exception of the disputed balance in question. I have closed out the account with the disputed VISA ending in XXXX and have also closed out my other Capital One account. I have asked VISA to investigate Capital One as I do not feel Capital One Honored my dispute rights properly. As of today I do not feel this remaining disputed balance is a legitimate debt due to the quality of furniture and other mitigating circumstances. I do not feel this is a valid debt due to the poor quality and well documented circumstances provided to Capital One. I can be reached at XXXX XXXX XXXX or via email at : XXXXXXXXXXXX
I obtained a credit card with Synchrony Bank to obtain a 18 month no-finance account to pay for flooring and install service from XXXX. We had just purchased the home so it was empty for the flooring to be installed. XXXX charged my Synchrony account on XX/XX/2016 for {$6000.00}. XXXX XXXX started install on XX/XX/2016. My wife and I attempted several times to get XXXX XXXX management to come to the home as the install did not look correct to us. My wife sent pictures to XXXX XXXX and XXXX, the flooring manufacturer. XXXX admitted the flooring is defective via pictures. XXXX XXXX continued install using wood putty on luxury vinyl plank flooring to hide the defect. In addition XXXX switch carpet on us and installed a lower quality carpet than what was contracted for. XXXX violated XXXX installation instructions, which would void the warranty. We rejected the install and merchandise. An independent flooring consultant hired by XXXX verified our complaint with the vinyl flooring. XXXX admits all this but refuses to install new flooring as furniture and personal items now need to be moved and they refuse to hire a professional to move our items. Synchrony twice has sided with XXXX but I have filed a fourth dispute with them stating a billing error in accordance with the terms of The Fair Credit Act has occurred since I have not received the merchandise or service I contracted for. Synchrony Bank and XXXX XXXX are trying to force me to accept the {$6000.00} charge.
I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
Released tax lien XXXX This tax lien has been released and is from XXXX! It was removed from my file in XXXX and has been reinserted and shows that I owe money. I do NOT owe anything on this. Please remove this from my file. I am including the proof. 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I do n't know why this is reporting as lost or stolen ; please remove this status - I did not lose my card Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX XXXX XXXX ( listed 3 times ) I lost my card one time and it is listed 3 separate times and needs to be removed.