WillisBack/dataset-financial-user-claim huggingface dataset:
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
I tried to make a payment on-line and got an error message. I called and was on hold for over 16 minutes. When the representative answered, she refused to assist me stating that I was not an authorized third party on the account. I explained that I was authorized as I was on the Deed, techinally and legally, that makes me authorized. She then proceeded to put me on hold again, and transferred me to another representative who could not help me the issue of making a payment and again stated that I was not authorized on the account. I am and you are in the wrong by refusing to note the account as such. I asked to speak to your legal department and was not allowed so I then stated that I would be filing a complaint and your representative did not care. She said she had done her job. I beg to differ. I suggest you check your answers and legality of them and authorize me o the account. Your previous representative did after I say on hold for twenty minutes, is this what I should expect each time I call in?
Violated HIPAA my PHI was given to a third party collection company that I did not authorize to have. I was sent a notice with my ssn, phone number. There are some services listed on the document with a location and the dates of services on it. This is a direct violation and is reporting on my credit from this third party and I will be filing a suit for this and it needs to be removed from all credit bureaus immediately.
My issue is with TransUnion. Here is my issue with transunion. They have incorrect information on my report. In accordance with the FCRA guidelines, any information that is incorrect or not mine should not be on my report period. Any information that has not been verified by the creditor, meaning signed documents from the supposed original creditor with my signature verifying that I applied for credit and I am aware of that account, documentation that has come to me in writing, means verified according to the FCRA, not verified through a system electronically. I have disputed this information numerous times. Transunion has not gotten back with me in the required timeframe or they continue to keep incorrect information on my report with no means of verification other than electronically verifying it. They called me back after I left a message with the " Priority Department '' but the representative " XXXX '' did n't leave a number where I could reach her at. Only a fax number that keeps failing. That tells me that they do n't care about reaching customers that they are putting fraudulent information on their reports. Should we mention that they just settled a lawsuit for incorrect credit scores because of incorrect reporting. They have inquiries on my credit that do not belong to me, nor can they prove that they belong to me. According to that alone, I have grounds for my lawsuit. I have attached what I have sent them in the mail. I am sure they have received notification of my lawsuit. Instead of having to pay me, all they have to do is remove the incorrect items off of my report. They have n't and it seems that they do n't intend to. It is illegal to deny me a proper investigation. None of the supposed creditors have provided any proof nor responded. Meaning the items should be removed off. Not to mention that TransUnion reinserted XXXX XXXX XXXX onto my report after removing it last year and that is illegal. I have proof of that as well that i will be attaching to this email. TransUnion is in Hot water. TransUnion removed XXXX XXXX XXXX from my report on XXXX/XXXX/2016. They added it back on there and then removed it again on XXXX/XXXX/2016. It is illegal to reinsert previously deleted information off of a report. Yet they deny that they have correct information on there. Screenshots are attached. The letter that was sent to them is attached with the exception of the notary. The XXXX in the mail is notarized though, so they can not use a stall tactic.
This complaint is regarding Loan # XXXX with Chase BankAfter my husband 's passing on XXXX XXXX, XXXX I informed the bank in person of his death. The title is in my name as well as the deed to the home. 
The loan was in his name only. Due to my financial circumstances at the timeI was advised that it would be best to leave it as is for the time being and just continue making the monthly payments. There was no guarantee that I would qualify to assume the loan. This scared me. So I did my best to continue making the payments monthly. 

In the months of XXXX and XXXX XXXX I faltered with XXXX payments. Currently I have been 2 months behind since then. But have not missed XXXX payment since that time. 


I have made several attempts to Chase Bank to resolve this and get a snap shot of the loan. Because I am not on the loan they are not authorized to speak to me or give me any information. I advised them that XXXX had passed away. I was told to send a copy of the death certificate and a copy of my Grant Deed. They also requested an estate letter which I do not have. 
When I called back to fax it over I was rejected by the person that I had spoken to. And left in limbo again. 

When I had received a certified letter regarding my loan being in default no one would speak with me. 

On XXXX XXXX, XXXX I went in person to the bank to make my monthly payment. My money was refused and I was informed that it had gone to the foreclosure department. 
Upon presenting my power of attorney letter I was told that they would n't accept this either. Since the POA was dated from XXXX. There is no expiration on the document. 

I was told that I owe {$12000.00} in back pay for the last six months. But I have been paying every month. When I asked where my money was going, I was told that they did n't know. So even though all my payments have cleared for the last 6 months they are saying that I have n't paid. But I am still in the same predicament not being able to be informed about information on this loan. Since this time I have sent over to the Chase Corp. office documentation of the Grand Deed and the death certificate. 

I want to resolve this issue by agreeing to start a payment arrangement to pay off the existing late charges. Because they rejected my XXXX payment I am now three months behind and officially in default. I believe that this was totally unnecessary to deny this payment. They have taken all my payments for the last two and half years. Then suddenly they have decided to quit taking my money. It seems like they are intentionally trying to make me lose my home. I was only 2 months behind. Not 6. 
Please help me get this matter resolved. I am a responsible XXXX year old woman. At the time that I originally defaulted my finances were very tight and I was trying very hard to pay my bills. Since that time I have been working and have managed to make every house payment monthly.
WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
My profile had been used at Bank of America by a family member without my knowledge to perform transactions in a prohibited manners-un-authorised check deposits/withdrawal for about 3 times. 

The accounts had since been closed by the bank but my SSN, names and other details listed on early warning are INACCURATE ; I had logged a dispute with early warning and had requested bank of america to thoroughly investigate the transactions to no avail. 

pls i need your assistance in clearing my names and details from the inaccurate listing.
I applied on line for a loan and was directed to XXXX. I was a work when I applied and I take ownership that I could n't spend much time on the computer nor print out any paperwork. I was also very upset at the time I applied as I 'm XXXX only and I had to take time off work to care for my husband that has XXXX. That is the reason I applied at all. I had not received a pay check nor was I going to get XXXX before the end of XXXX or the XXXX of XXXX. I applied for a {$3500.00} loan which I was granted on XXXX XXXX. If I recieve a pay check my pays are on the XXXX and XXXX, it would not allow me to put those dates in so my payment came out on the XXXX, I called then and ask for a due date change to the XXXX, I made that payment then I got a email stating my payment was due again on the XXXX so I immediately called and said there must be some mistake I just made a payment, she informed me my payments weren ; t {$320.00} per month but every 2 weeks. I tried to talk to that rep and explain I can ; t pay {$650.00} peer month and needed to request help with changing that, She said there was nothing I could do. I was so upset I called back and ask for a manager and she said there was no one above her to talk to and my options was to pay off the loan. At that point I pulled up what I had electronically signed and was extremely shocked.at this contents of this loan. I borrowed {$3500.00} on month ago, made 2 payments and I now owe $ XXXX are you kidding, this has to be predatory lending. I never ever would I have signed for any loan like this if I was completely aware, they charged by {$4700.00} in a fee to get {$3500.00}. I own that this is my mistake, I asked to talk to XXXX XXXX XXXX the CEO and was told I had to talk to the service rep I was talking to, and that my payment would come out, I told her there was no money in the account to make another {$340.00} 2 days later. At that point I called my bank to stop payments. I again tried to reach XXXX XXXX to no avail. I have now called XXXX to see what I can do. I think this is a very bad loan and I own that I made a huge mistake, but to be told I can ; t talk to anyone or I have no recourse is not acceptable I have to try to correct this. I will try to get a loan to pay this off if they can give me a reduced pay off. A fee of more than you borrowed has to be predatory lending. I can submit pay stubs and bank statements if needed, I 'm not sure how they approved me on {$650.00} per month I would not debt tatio at all
They contacted my work on my day off, XX/XX/2018 in an attempt to collect an old medical debt from XXXXXXXX XXXX XXXX out of XXXX XXXX SD. They posed as someone that needed to get ahold of me and left a message with my supervisor at the XXXX South Dakota XXXX front desk ( XXXX ). They provided there number ( XXXX ) and a name XXXX and told my supervisor to call as soon as I could. I do not know how they got where I work since I do not post it anywhere online. My employer does not approve of solitication per company policy and do not approve of them calling. I called to tell them and they claimed they didnt even know where I work and that they didnt have a number after harrassing me for my social security number and other personal information. Im very distraught over the way they somehow figured out my employer, called them, and then obviously lied to me when I contacted them about it. I would also want to make sure they do not call my other employer XXXX XXXX in XXXX, SD ( XXXX ). They are Accounts Management Inc out of XXXX XXXX SD.
I have never gone by XXXX XXXX. I am thinking it is some kind of identity theft. Please let me know what I need to do to get this name off of my credit reports. Thank you.
My property was sold in XXXX with the assurance that because of the XXXX balance, XXXX XXXX XXXX would not place derogatory information on my credit report. It appears that information from XXXX and XXXX termed derogatory are on the credit reports of XXXX and Transunion. 
I would appreciate this derogatory information removed.
XXXX XXXX account was closed on XXXX/XXXX/XXXX. I was never late. The account was transferred on XXXX/XXXX/XXXX to a unknown company, and is now reporting fause delinquency on XX/XX/XXXX. This is illegal. Im very tired of tying to fix my credit report. I want this account deleted from my credit report completely. It is showing on my Equifax report. XXXX does not own this account. its a junk debt company trying to reage my account to illegal collect on this account.
I settled a debt with AMEX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency XXXX ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call AMEX because the file is no longer with them. I called AMEX and was told to call XXXX. I called XXXX and was told to call AMEX.
My credit monitoring service alerted me to an account that was just added to my credit file. My XXXX  monitoring service told me that Navy Federal Credit Union added a credit card account to my credit profile. I do not have any accounts with Navy Federal Credit Union, nor have I ever. A new address was added to my credit profile XXXX XXXX XXXX XXXX, Texas XXXX I have never lived at this address, nor have I ever. I do not know anyone who lives at this address. I called the management office of this apartment complex to inform them that my credit profile reflects this address but that I did not authorize that and confirmed that nobody with my name has a lease there or has ever had a lease there. 

I am a victim of identity theft. Since the last round of identity theft I have filed a police report with the XXXX Police Department. The report number is : XXXX Please make a note that I will never open any accounts with Navy Federal Credit Union - and if I ever were to do business with them I would do it in person. Anything opened online and or over the phone or by mail or by other means not personally physically inside of an office is NOT me. Please block my social security number from your system! 

I have attached a copy of my photo ID and my social security card. 

Please communicate with me in writing only.
On XX/XX/XXXX I contacted Autopay about refinancing my car loan. After talking with XXXX XXXX I decided not to move forward with their company. I clearly explained that I did not want a hard pull on my credit report. He explained he could not give me an accurate quote which I was fine with. The next day I got a text from XXXX saying that my application is at the lender. I will attach the text conversation. After those messages I called Autopay and got to an supervisor named XXXX. He heard me out and said they would not be able to remove the inquiry they did and he would look into the recording to be sure I didn't confirm the inquiry. I was not satisfied of this since I know it can be disputed and removed. I left it at that and come to you about the situation to see if anything can be done for me to remove the hard inquiry.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information that you are reporting inaccurately on my credit file. I am a victim of identity theft, I have been affected by the recent credit breach with my identity leaked and someone using my identity other than myself. I am unaware of the inquiries and I did not make any attempts to inquire about no new accounts. I am requesting that the items be removed immediately to correct my credit report. I didnt not receive any consent and no creditor, Credit Bureau contacted me. This is my affidavit and I am disputing these items listed below. I 'd like to request a victim 's statement asking that creditors call me before opening any new accounts. 
Enclosed are copies of my credit report supporting my position. Please investigate this matter within XXXX of receiving this letter and remove the inaccurate illegally placed on my credit file. If this matter isnt resolved I will be forced to take legal actions in a civil courthouse against your company and be forced to pay a fine and damage fee of {$1000.00}. 
Inquiries Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX have consistently ignored that you are reporting inaccurate items on my credit report. You have reported inaccurate items for quite a while now and Im taking legal actions by filing a law suit at XXXX XXXX XXXX XXXX for reporting inaccurate inquiries. I am a victim of identity theft and was affected by the recent credit breach. Its a shame that your company placed inaccurate errors on my credit file and you wont remove it. This is illegal and you will face consequences in court. I have contacted you by certified mail, fax, but you refuse to remove the inaccurate errors off my credit file.
This collection account by Americollect has been plaguing my report for months saying I owe for 3 accounts. The bureaus are working on investigating and XXXX  and XXXX have deleted 2/3 while  XXXX has claimed they verified. How is this so? I first communicated with Americollect requesting information to validate this debt. They sent me invoices after clearly stating I need to see written proof of this debt or they need to remove the erroneous information post haste. I have sent two certified letters to them with no response
My name is XXXX XXXX and on XX/XX/18 I went into XXXX on XXXX XXXX in XXXX, Florida to make car payment like I always do. Gave the customer service person my information. I have been making this payment for a year now. I was informed by my car payment XXXX XXXX XXXX, XXXX XXXX that they still have not received my payment. Went back to XXXX and they submitted my payment to XXXX XXXX XXXX. Was told they couldn't do anything. called Western Union and they keep telling me they are trying to get XXXX XXXX XXXX to release monies. Today is XX/XX/18 and I still have no refund or car payment. My car payment was for XXXX and paid XXXX for urgent fees. That is a lot of money to me.
Dear CFPB, I have been trying to work with Transunion for several months regarding a recent omitted information pertaining to my personal credit record. To date I have received no resolution to the matter. They have omitted a positive tradeline from my credit file and are willfully not reporting. This omitted information is making my credit file appear to have limited years of credit. I have had a tradeline with XXXX  / XXXX since XX/XX/1999 with a perfect credit history. The only correspondence that I have received is response from transunion trying to blame XXXX/ XXXX XXXX for the error. I reached out to XXXX/ XXXX and they confirmed that they are making the reportings to all three bureaus every month as they always have. They advised me that they had no dealings in removing this from my report last XX/XX/XXXX and have notified Transunion to update accordingly. It is my belief that Transunion is willfully not reporting and it is damaging my credit history. Can you please help me resolve this matter as Transunion is unresponsive to the matter. 

Thanks, XXXX XXXX
Those charges were related to move-out expenses from the condominium I used to live. When I moved out, condo management said that the invoice was not ready yet ( there were painting expenses they could not precise, for example ), so they would mail me the invoice later, with any additional charges they might had in addition to my existent deposit with the condo. I never received any invoice, phone call, or email. In XX/XX/XXXX I was very surprised to be contacted by a Collection company, charging me for a debt I did not know it exist. The agent was very rude and ironic, and mentioned the name of the condo " The XXXX ''. I immediately contacted the condo via phone and they requested me to go to their office to settle the issue, which I did. The office manager checked my file and confirmed that indeed I never received such Notice of charges because they mailed my invoice to a wrong address. She even showed me the letter itself, returned by the post-office, so they knew I have never received it. They also never contacted me via phone or email, both information that they had in file. I lived in that condo for over 2 years and never had a late payment. That was in XX/XX/XXXX ( please see the attached receipt of payment ), and the office manager, XXXX, apologized for the inconvenience and assured me that the collection company would not bother me again. Not only the collection company bothered me again, several times, via phone ( the same rude and sarcastic agent ), but the firm also placed me as a Collection account, in XXXX. So the Collection company actually reported a mistake from the office, for a Notice that I never received ( please see the attached Notice, containing a wrong address ), which was returned by the post office, and then the company reported me a month after I made the payment directly to the condo. 
I 've had to dispute the information with the 3 Bureaus to have it removed. That was in XXXX. 
Now, XXXX years later, the Collection Agency reported me again!! This time they reported an account in collection, paid. That is in incorrect, since it was proven XXXX years ago that I never received such notice. 
I want this information removed from the Credit Bureaus immediately. This is disrespectful, it 's a waste of my time, and could have been a disaster for me since I had the closing of my Home 3 months ago. My FICO score dropped 22 points. They had no respect, they treated me with sarcasm, and they just assumed that I was a bad payer and made jokes. And now again, XXXX years later, they report this? I really wish there was a way that CFPB could punish this type of reckless behavior and lack of respect.
I applied for an American Express Delta SkyMiles through a solicitation I received as a result of being an existing SkyMiles participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that she could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to  review my application and inform me in more detail the reason it was declined.