WillisBack/dataset-financial-user-claim huggingface dataset:
This is getting old. I have disputed XXXX XXXX more times than i can count. Experian is the only company that does not review disputes. The information being reported to them is unverifiable and erroneous. It keeps coming back as verified. Can i please get the proof that an actual investigation took place. How can incorrect information be verified. Its not possible but yet again shows verified. Its unverifiable. False information is being reported. This was investigated and removed from XXXX and XXXX  a long time ago. How come two out of three credit bureaus investigation led to immediate removal upon completion of their investigation. Experian is maliciously keeping this unverifiable data on my report causing me to get denied credit and or be charged a higher intrest rate. I feel like i might need an attorney at this point.
Back in XXXX/XXXX/XXXX I took out a payday loan ( via personal check ) at The Cash Store that was funded through Cottonwood Financial. My check was deposited at the time it was due on XXXX/XXXX/XXXX and was returned for non-sufficient funds on that particular day. The amount was then paid at The Cash Store, for which I received back my original personal check marked " void '' by the store representative as well as the original contract I signed, along with a company letterhead statement reflecting this was " paid. '' When the loan is paid back they give you back your personal check marked " void '' and your original contract with document stating " paid. '' Fast forward to XXXX/XXXX/XXXX. I received notice that I had an outstanding loan balance to The Cash Store/Cottonwood Financial from XXXX and it is showing in the State of MI database as an outstanding payday loan since XXXX. 

I called the State of MI ( XXXX ) database for payday loans and explained the situation to them. They advised me to go to the original store where loan was taken out and ask them to remove this from the state database. " it 's really very simple, she said, all they have to do is go into the system and remove it from the state database. '' I took my original check and my original contract and went to The Cash Store to get this cleared up. The store representative who helped me called the District Manager of the area and explained the situation as she mentioned that the representative at the time may have mistakenly forgotten to finish out this loan in their system and that 's why it was still showing up as unpaid. District Manager was aware that I had the original check back and contract marked as " paid. '' I was given the number to the Corporate Office ( XXXX ). I called them and they told me that the debt still was unpaid ( per their system ) and it had been sent/sold to a collection agency in XXXX called XXXX XXXX XXXX so they no longer had any dealings or further assistance of the account. 

I then called XXXX XXXX XXXX ( XXXX ) and they told me that they sold the debt to another collection agency called XXXX XXXX XXXX back on XXXX/XXXX/XXXX and so they too could offer me no further solution or assistance. They also informed me that XXXX XXXX has since went out of business. 

I have spent many hours working to resolve this matter including calling the State of MI, several calls back to Cottonwood Financial Corporate office, calls to XXXX XXXX XXXX and all are telling me there is nothing they can do to get this removed from the state database. Cottonwood says once they sold it they ca n't do anything. XXXX XXXX XXXX says they sold it and ca n't do anything either. XXXX XXXX is now out of business and supposedly was the last place where this resided. 

I need someone to assist me in getting this removed from the state database as it is coming up in potential employers background checks and in my credit report that this is an unpaid loan. I have all the documents that the loan is paid. The original loan is from XXXX -- now beyond the Statute of Limitations for reporting purposes as well. I have exhausted all measures of places to call to get help. This is unfair.
The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has  violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM letter.
I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with Equifax over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that Equifax searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
American Express Dispute Reference Case # XXXX I purchased on XX/XX/2018 an XXXX on XXXX. The description said it would work on XXXX. I received the item on XX/XX/2018. XXXX worked with me to set up the phone but we could NOT because we found the XXXX was locked with XXXX XXXX. XXXX XXXX said the owner of the account owed {$330.00} and that the owner was the ONLY person who could unlock the phone in order for me to use it. I contacted the seller on XXXX and he refused to work with me so I opened a dispute on XX/XX/2018 with American Express since I paid the {$450.00} with my Preferred American Express Credit Card. I opened the dispute through the American Express Dispute representative who was from XXXX. I carefully explained all details of the case, I also submitted mountains of evidence which pointed out that this XXXX was defective, not as described, nor in any way whatsoever would work because of the fraudulent activity by the seller. The representative from XXXX INCORRECTLY listed this dispute under the title of MERCHANDISE NOT RECEIVED!!!! Not once did I ever tell him that I did NOT receive the item! I was more than clear that the item was defective and NOT as described. This morning, XX/XX/2018, I learned from the American Express Dispute center that I had lost the dispute because the seller proved I had received the item!!! DUH!!! I NEVER told anyone at American Express that I had NOT received the item!! I was adamant at the onset of my call that I had been deceived by the seller 's XX/XX/XXXX description and that it could NOT work on XXXX for it was still locked on XX/XX/XXXXXX/XX/XXXX!!! I lost this dispute because of the incompetency of an American Express Dispute employee!!!
PayPal fraudulently opened a line of credit in my name without my authorization. While I have purchased item via PayPal I always select to do so through my debit card. I was contacted by PayPal that I owed an outstanding debt at which I learned this line of credit was opened. I have since paid the amount and closed the account. However now my credit will be affected due to closing the fraudulent line of credit opened by this company. I was told the line of credit was opened due to simply purchasing a product from XXXX. This is illegal! I never authorized this line of credit, furthermore never once even given my SSN, digital signature or anything to do so. I also will be contacting my states federal prosecutor and local attorney to further the legal process.
My wallet was stolen in XXXX with alot of my personal belongings like my ID, social, debit and credit cards, and nowI have some charges on my account that do not belong to me : - {$400.00} on XX/XX/18 from XXXX XXXX XXXX XXXX
After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.
CLARK COUNTY COLLECTION is reporting that I owed XXXX  {$1400.00} on account number # XXXX as of XX/XX/2014. This is not my debt, yet this collection agent keeps reporting the debt when I dispute it. This debt collector has ignored several letters in which I have asked for information on this account, such as the service address and the full name and social security number on the account in order that I can verify if identity theft has even occurred, or if there is some error in the reporting.
I moved after being impacted by Hurricane Irma to XXXX XXXX, FL. XXXX transferred services right away and I returned the equipment. My XXXX Account is in good standing, but due to moving out of county, I  was given a new account number. Old XXXX account closed satisfactorily. I received an alert from the credit reporting agencies that the Cbe Group has placed a collection account XXXX for {$80.00} from XXXX on XX/XX/2018. This is incorrect. I do not owe XXXX anything and due to FEMA relocating me, XXXX was very helpful.
On  XXXX / XXXX /17 I called Wells Fargo regarding my credit card debt with them, which was for  XXXX  . I was told that if I settled and paid  XXXX  $ that I would get a " settled in full with a current balance of   XXXX   '' letter. So, I paid the  XXXX  . I now have a  XXXX  $ debt with them that showed up on my credit score. I am trying to get approved for a home loan and my score has now declined since this  XXXX  $ " debt '' has been re reported. I called Wells Fargo to discuss this and  XXXX , the manager, said that no matter what the issue, I still have a  XXXX  $ debt with them and it will never show on my score as a "   XXXX   balance ''. I have asked them to pull the phone conversation I had with them when I paid the settled amount because they specifically told me that I would have a current balance of  XXXX  with them. This is common sense, if you settle an account then no remaining balance should be owing. I am demanding that this issue be resolved and that Wells Fargo send me a  XXXX  balance letter. I have attached the letters Wells Fargo has sent me regarding the situation.
I keep receiving calls from a debt collector, Peerless Credit, at my place of employment regarding a medical bill. I have repeatedly told them I can not receive personal calls at work, that my work number is for company business only, they continue to call my job and harrass me even though they have my personal cell number. I just received another call today XXXX/XXXX/2015 at XXXX XXXX from XXXX at Peerless Credit. I repeatedly told him do not call my work over and over again and I was filing a complaint..I repeated this until he finally hung up.
I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. 

I noticed that I was reported 30 days late in XXXX of this year. I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to Barclay 's, I was. This must be some kind of error because since 2013 when I opened this account, I have always maintained a low balance and paid on time. But yet, I was reported 30 days late? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
This complaint is regarding XXXX XXXX XXXX XXXX issues with my account ; auto-payment, returned payment on XX/XX/XXXX, and the closing of my account. 
Auto payment : I received a notice that stated that because my checking account information was incorrect, an " automatic payment '' was returned. This information concerned me because I did not sign up for auto-pay. I called on XX/XX/XXXX and spoke with XXXX regarding my concern about fraudulent activity because I never signed up for this service ; my thought was that someone was trying to get my checking account number. After she reviewed my account with a supervisor, I was told that the issue was resolved, my account had been noted, and that there will be a fraud alert put on my account. A week later I received a letter stating that the " auto-pay '' had been terminated. 
On Wednesday, XX/XX/XXXX, I checked my account online and found that it had been closed due to the returned payment. The customer service representative that I spoke with was very quick to dismiss my concerns, I requested that she transfer me to a supervisor. Supervisor XXXX, who told me that they do not put fraud alerts on accounts XXXX this is also concerning ), was sympathetic but ineffective and referred me to the dispute resolution department. Furthermore, he alerted me to a returned payment on XX/XX/XXXX for {$200.00} and explained that since the {$25.00} payment was returned, my account was closed. 
According to Synchrony's/Chevron 's representatives XXXX I signed up for auto payment on XX/XX/XXXX and yet only XXXX payment posted in XXXX. Again, I never signed up for recurring payments. After my conversation, the charge for {$25.00} on XX/XX/XXXX is no longer showing on my online payment activity. The payment was denied due to incorrect account information, yet the payment that I made posted. 
Returned payment on XX/XX/XXXX : A payment made on XX/XX/XXXX in the amount of {$200.00} cleared my checking account on XX/XX/XXXX ; I attached a copy of the transaction number from my checking account, and requested that they please make the adjustments. Instead, Synchrony's/Chevron sent me copies of XXXX statements and a post dated letter telling me ( for the XXXX time ) that my account had been closed. 
I have requested that a resolution of this matter will allow them to reinstate my account as well as credit my account for the {$200.00} payment on XX/XX/XXXX that has been noted as " returned '', however, I have been told that the matter has been resolved, my account remains closed and it has not been credited the {$200.00}. 
I have warned the creditors that I am filing a complaint and now they are stating that it is a corporate matter and will take yet another 30 days to resolve. In the meantime, this is affecting my credit score. 
Finally, during my last conversation with representative XXXX, I was required to give my full checking account number ; this also concerns me that this sensitive information is required from someone who can not resolve the issue
Just wanted to report these numbers that have been calling me to harras me constantly. I called back one of the numbers and the guy started flirting with me automatically I knew that these ppl are a scam. here are the numbers please do something so that they can stop calling an harassing ppl. XXXX & XXXX. I am tired of these calls.
XX/XX/2016 I was researching for a good option to payoff a high interest mortgage I have on a property. I came across a good opportunity from Bank of America and started the application process for a line of credit. They asked for a good estimate of the value of my property and request my realtor to prepare a value analysis, he told me I can market it at least at $ XXXX. I requested a $ XXXX line of credit based on this number. After a month of sending tons of papers and information they came back telling me my property was appraised at {$560.00} based of some data. At that time I requested a full appraisal of my property because I did a lot of improvements to it with add value. To my surprise, the bank assigned the same company and the same XXXX who did my appraisal 2 years ago and came really low did this appraisal again. XX/XX/XXXX the bank called telling me the property was appraised at $ XXXX, totally disappointed, he did not even considered the money I spent in the remodelation and extra futures. When I requested copy of the appraisal I found out that it had a lot of discrepancies, and it needed to be reconsider and I also sent more comparables since the appraiser said he was not able to find recent comps for my property and he used some that had more than a year ago! Today I received a call that my petition came at the same price! They not only waste my time, my money, my patience but also are damaging my credit! They even endorse my policy with a loan that it seems they did n't want or have interest in giving ... totally disappointing. I hope no other clients get damaged the way I was.
XXXX XXXX XXXX accouint # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
I have been charged multiple NSF fees. USAA goes by the available balance and not the ledger balance. When the debit card is wiped usaa immediately deducts this from the amount before it ever hard posts. There is no cutoff time for this. BUT when a deposit is made, it has to hard post to be used same business day. i feel this is predatory practice! 

for example, its XXXX and my account has XXXX. I swipe my card for XXXX and it is pending. that same night an ACH transaction comes in for XXXX, the XXXX is still pending. I WILL GET A NSF FEE! even if i transfer to cover the XXXX, because it is after cutoff the deposit does matter. Even if the XXXX never hard posts usaa only sees available balance which is unfair because they do not do the same for deposits. 

My ledger balance never goes negative however i receive the NSF fees.
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX  ),  said action might constitute fraud under both Federal and State Laws. If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Dating back to XXXX XXXX and maybe even earlier, I have requested that Experian remove a Bankruptcy that is showing on my credit report because it was not verified according to the new law. They wrote me back saying that they verified it and I responded by asking them to furnish me with a more detailed description of how and with whom it was verified ( third party vendor ). I was never furnished this information just received another letter stating that it was verified through a third party vendor. I inform them that this could n't have been possible because my I had placed security freezes and suppressed my credit files with all of the third party vendors with XXXX XXXX being the first XXXX. Experian still has not accurately verified this account nor have it furnished me the names and address or other information of the company who verified. Since they have not provided me with adequate proof of verification this item needs to be removed from my credit file. It is against the law for them to be reporting unverified and non-validated information. It is not ok for Experian to say it is verified and not provide proof to the consumer.
I submitted a Request for Information to Nationstar on XX/XX/XXXX. Nationstar acknowledged my Request on XX/XX/XXXX advising that they would respond to the Request by XX/XX/XXXX. As of today 's date, Nationstar has failed to respond to the Request for Information.