WillisBack/dataset-financial-user-claim huggingface dataset:
I work very had to make sure I stay on top of my bills and commitments and I was astounded when I learned Equifax placed an unknown BK to my credit. 
I contacted them immediately and the error was removed. However, i received an alert8 months later that the improperly placed BK has been RE-INSTERTED to my credit!!! 
I am requesting that the unknown entry be removed immediately It says on my credit that the BK was filed in XX/XX/XXXX when we are in XX/XX/XXXX!! 

US DIST CT Date Filed XX/XX/XXXX Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff
I XXXX XXXX would like to dispute XXXX First delinquency. On my credit file I printed on XX/XX/XXXX the first delinquency was back in XX/XX/XXXX. XXXX keep reporting different delinquency dates to Experian. Seven Years from the first delinquency is when XXXX is suppose to be removed from my credit file and on XX/XX/XXXX it will be seven years from my first delinquency an I would like XXXX removed from my Experian credit report. XXXX is showing a delinquent date of XX/XX/XXXX. on my credit report XXXX is not showing the my payment history from XX/XX/XXXX to XX/XX/XXXX on my credit report where my first delinquent payment is missing on my credit report. XXXX is sending Experian conflicting delinquency dates to prolong this adverse to be on my Experian credit file and I would like XXXX to be removed from my credit report
I received an e-mail from PayPal on XX/XX/2014 offering a {$50.00} statement credit for opening a PayPal Extras MasterCard account and making {$100.00} in purchases by XXXX XXXX, 2014. I complied with all of the terms, but still do not have the {$50.00} credit. I 've called them several times, but they always say " next month. ''
Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 

I just gave birth XXXX months early to a baby boy XXXX until XXXX, if not later. These people contacted me XXXX. I lost my job due to going into XXXX. I can no longer work because I 'm on maternity leave and once my leave is up, the XXXX is over ( I worked at a XXXX ). The income of relied on to save up and be able to buy my baby his necessities for life has disappeared due to giving birth XXXX. And then these jerks come along and scam me?! Now I 'm out {$670.00} and with our XXXX income completely gone ( my husband is military so we have that ) and a baby in the hospital over XXXX, we 've been cheated and done wrong. I am so heartbroken and sick over this.
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. 
This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. 
My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. 
I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.
We have to come back to case number XXXX. This case was opened against XXXX XXXX.XXXX answered and we tried in the meantime to clear the matter with the realtor who sent the money, with XXXX who originally originate the money transfer as well as Merrill Lynch , where we have our account. After long researches it came back to the matter, that Merill Lynch got the money transfer XX/XX/XXXX and was not able to find out the final recipient, even we have our bank account nearly 30 years with Bank of America and now XXXX. I told Merill Lynch already on XX/XX/XXXX by e-mail, that we expect an wire transfer from XXXX for about XXXX XXXX. I was in constant contact with XXXX from Merril Lynch regarding the payment and sent them copies of the Italian wire transfer. 
With a letter of XX/XX/XXXX Merill Lynch told us, that they do not pay for the loss in exchange rate XXXX/Dollar because of the delay. We lost XXXX because Merill Lynch was not able to locate us and was sitting about 4 weeks on the money before they finally returned it to XXXX. And during this 4 weeks, the amount was no where to trace, because Merill just kept it. 
Following the XXXX bank it is unlawful to keep money that long. In XXXX you have to clear a matter within 3 days. 
We do not accept, that Merill kept the money that long and caused this loss in exchange rate. We hold Merrill responsible for - not finding our account - even they had from the beginning our informations - holding the money for that long and making it disappear from any trace We want our loss in the exchange rate paid from Merrill Lynch and ask for your assistance in this matter. 
Should you need any copies of correspondence etc. let us know, we can provide everything
XXXX reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
I deposited a {$2000.00} check at my local Bank of America branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on " hold '' by BOA without any notification to me. My inquiry to the BOA " risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to BOA, and that it had never been returned as indicated by the BOA risk department. Seeking an explanation for both the delayed " hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize BOA to do whatever they want, agreed to contact the " risk management '' department and get an explanation for me regarding the " returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the " hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the " delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by BOA for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the " hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that BOA employees are not expected to speak the truth when asked a direct simple question. Although the action by BOA has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states.
It has been 10 weeks since I applied for a mortgage loan with PRMG. We have gotten nothing but the run around. My file was escalated to the branch manager, who told me I had been denied due to collections. I informed the branch manager that was wrong, and provided evidence to prove I do not have the number of collections he said I did. Branch manager never returned my call. My file was then escalated to the VP and he was able to remove my file out of the denial state and told me they would be working on it. Now we are dealing with the underwriter not calculating the condominiums association reserves correctly. My realtor along with the condo association has provided the lender with all the information needed for them to correct their calculating mistakes, and still nothing has been resolved. This has gone on long enough. I feel like PRMG has not been honest, this closing could have been done weeks ago. Both myself and the sellers patience is running extremely thin, and no one at PRMG seems to care too much to get a closing on this file.
I have an American Express Bluebird Account. I had two foreign deposits that are missing. I had a deposit on XX/XX/2018 from XXXX XXXX refunding a ticket for XXXX Euros, and a deposit from a job based in XXXX, for {$500.00}, on XX/XX/2018. Neither of these deposits is in my account. Both companies have provided proof that they deposited the money into the proper account, but it has never arrived. 

I have tried to contact Bluebird via their two XXXX numbers provided, and you CAN NOT get a human point of contact, ever. I have literally tried over 20 times to call them. I then tried the American Express headquarters and they stated they do not handle Bluebird, and gave me the XXXX number I previously attempted. When I told there is no human point of contact, they apologized but offered no solution. 

I sent Bluebird several emails via their customer service email address. They did not return or acknowledge them. 

I sent them a letter via USPS mail. I have heard nothing. 

I sent them a XXXX via their customer service XXXX forum. They did not acknowledge it. 

I want my money returned. They have not acknowledged my complaints and completely ignored me, and not offered proof of where this money is, and the other two companies have offered proof of completed deposits to my bank account, but Bluebird has taken illegally taken that money and will not acknowledge my complaint. I either want proof of where the money is or irrefutable proof it has been returned to the other companies, who are showing proof it was deposited.
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a dispute with Equifax on a hard hit inquiry from XXXX XXXX XXXX XXXX Ga which I did not authorize..I did not dispute that at one time I had an account. I filed bankruptcy XX/XX/XXXX on XXXX XXXX XXXX.I am disputing the unauthorized hard inquiry which occured XX/XX/XXXX. after the loan has been discharged.. This still has not been resolved by Equifax. Equifax reported inaccurate information. 
Dispute # XXXX Dispute # XXXX On XX/XX/XXXX XXXX XXXX XXXX did unauthorized hard hit inquiry.On XX/XX/XXXX I called XXXX XXXX Bank left message about inquiry on my credit report..XXXX XXXX, bank official called me back. The conversation went somewhat as follows : Me : This is XXXX XXXX and I am trying to get my credit established and I see yall done an inquiry on XX/XX/XXXX. Its a hard inquiry and I havent even been in the bank. 
XXXX : Well you got a charge off here for a bad loan that we have been reporting. We gon na pull inquiries to make sure we are reporting or not. I dont think we been reporting that charge off. We fixin to put that on your credit and make sure. 
Me : Why are you doing an inquiry? You are hurting my credit. 
XXXX : Its pretty bad now. 
Me : I havent applied for credit. You shouldnt be doing an inquiry. 
XXXX : Again, Im gon na check your credit to see if that loan is being reported. It wasnt being reported last time I checked. 
Me : Its been reported since XX/XX/XXXX. You are wrong about that. You made sure. 
XXXX : Oh ok. Alright good. I just wanted to make sure it was. 
Me : Well I want you to take hard inquiry off because I did not apply for a loan. 
XXXX : Hey, I want you to pay the balance off. 
Me : I filed chapter XXXX, I dont owe that money. 
XXXX : Oh its still owed, its still on our books. 
Me : You know what you did was wrong to us. I will hire an attorney. 
XXXX : Thats fine. XXXX hung up.
Equifax mishandled and failed to protect my personal information, and failed to disclose when that information was compromised. I now learn on social media that my identity may have been stolen months ago, and I am left with the responsibility of monitoring my credit report closely and constantly, managing freezes and fraud alerts, and disputing fraudulent activity. As all of the information that the credit reporting system uses to identify me has been compromised, it seems as though I will be doing this for the rest of my life. This is an unfair burden placed on me by a company I never chose to do business with, and their handling of the breach ( which so far has been to do nothing, not even notifying people effected ) is absolutely unacceptable.
Experien refuses to look into the fact that the agency reporting the error can not produce a valid bill. Even when presented with this information they refuse to correct the issue and say after 45 days that the issue is resolved and I can not dispute it. 

The issue revolved aroudn XXXX XXXX XXXX XXXX report of a debt on my file. When asking for proof of such debt no such proof is given or shown. They also refuse to correct the issue.
My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX , 2016
Monday, XX/XX/2018 I called Ditech to address a letter sent by Ditech. Ditech claimed that my payment was late when in fact all payment is on time and in excess of the monthly amount due. Ditech is collecting the extra money paid each month and applying it towards principle rather that applying towards the amount that fluctuated. 
Ditech disconnected the phone call twice.
On XXXX XXXX, XXXX XXXX XXXX XXXX provided XXXX XXXX  with my alleged credit score. On XXXX XXXX, XXXX I received a letter from XXXX XXXX about their decision to deny me credit. In this letter dating XXXX XXXX, XXXX I learned that my alleged Credit Score from XXXX XXXX XXXX is XXXX and my XXXX Credit Score is XXXX. Seeing the disparity between the two companies reported Credit Score I checked my XXXX  Credit Score and it was XXXX. 
I have never heard of XXXX XXXX XXXX so I researched the company, I visited their website and I was asked to submit copy of my personal IDs and provide all my personal informations in a non secure setting, in order to get a copy of the same credit report that they provided to XXXX XXXX. 
I have reached out multiple times by phone ( XXXX ) to XXXX XXXX XXXX to talk to a representative and learn more about them before I send them my personal information. I have not heard back from them yet and I am not going to wait forever. 
The Credit Score they assigned me is nowhere near accurate and they do not promptly address people 's inquiries or questions. If they are unable to answer phone calls from customers with questions about their credit report, In Fairness to Credit Customers XXXX XXXX XXXX should refrain from emitting inaccurate Credit Reports and Scores. XXXX XXXX XXXX should cease and desist from providing lenders false and fraudulent credit scores. 
XXXX XXXX XXXX is causing harm to customers, and they need to be stopped.
I beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018
XX/XX/2018 total of {$430.00} which was included in a bankruptcy. I do not owe this dell debt. Once applied to credit it affect my credit score with a decrease off 100 points. This is not my mistake and I want it removed.
I opened a Wells Fargo credit card with 0 % for 15 months. I initiated a balance transfer of {$5000.00} dollars from my new credit card to XXXX XXXX XXXX sky miles card. It never posted to XXXX XXXX and I 'm being charged interest every month! XXXX XXXX claims they never received the money, Wells Fargo claims they sent the money at the beginning of XXXX. Wells Fargo ca n't provide me with any transaction info I if they actually sent it, where they sent it, or anything else. In this day and age, it ca n't be possible that transactions are n't easily traceable. This is absolutely ridiculous. I 've contacted both institutions multiple times, I 'm basically being robbed of money in interest.
Navient has been tasked with my loan consolidation. I started receiving many threatening phone calls back in XXXX when I was out of school. They were not nice calls and many threats were made. I was going through financial hardship including a 9 year long custody battle, another divorce, and soon thereafter a bankruptcy. 
I was able to place my other loans ( I thought all of them ) into deferment/forbearance while I was dealing with my personal issues and was expecting the consolidated loans to be deferred as well. I 'm not contesting the loan, I just needed time to get financially stable before starting repayment. 
As job prospects were not what I hoped for, I decided to go back to school starting XXXX XXXX. I filed the necessary paperwork for in-school deferment. I received notice that my loans were in in-school deferment. I thought everything was fine. 
I am still in school and expect to be finished some time between XXXX and XXXX XXXX. 
I recently reviewed my credit report and the loans serviced through Navient are now showing up. They were not there before! It seemed as though everything was in deferment, but now they are not and while trying to get my life back together, finish school and rebuild my credit, Navient is causing issues. 
Again, I am not contesting the loans. I just want them to be placed in in-school deferment so I can focus on school and not have to worry about dealing with Navient until I finish my XXXX.
My XXXX XXXX XXXX XXXX Account XXXX XXXX was bought out by New York Community Bank ( NYCB ) My XXXX  Passbook Savings Account does not exist in their records, not nice or right, and why? 
Monthly or even quarterly statement are never mailed to my home. I have resided at the same location for many years.
I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with TD bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.
In XX/XX/2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XX/XX/2018 with no balance and paid as agreed. I received a bill in XX/XX/2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XX/XX/2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 Hyundai reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with Hyundai and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with Hyundai is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
I have received 11 robocalls from XXXX since XX/XX/2018. Finally a human connected today. 
Person identified as calling from " Diversified Consultants on behalf of XXXX ''. 
Asked for my home address and last 4 of my social security number, without explaining why she wanted this info. 
When I asked why, she would not tell me. Nor would she give me the company address. 
I asked to speak to a supervisor. Supervisor XXXX joined the call. Again asked me for my address and social security number. I again asked WHY they wanted this information ; I do not want to provide this info to a telemarketer or scammer. 
XXXX said she would not tell me why they were calling unless I gave them my personal data. 
I refused, and asked for their company address so I could register a complaint with my state. XXXX hung up on me. 
I looked up the phone number online, and apparently Diversified Consultants is a debt collector. 
I have never been a XXXX customer. I don't have television/cable service. 
They never did say why they were calling, nor did they identify themselves as a debt collector.